cards africa 2011 brochure

Limited offer!Save up to R5370

per delegate ticketuntil 31 December 2010

Prices, packages and booking form

on back page

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Produced by:

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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 profi ts page 8>>

AfricaCards

Payment innovation for banks, retailers and government

Get smart

Conference: 22 - 25 March 2011 Exhibition: 23 - 24 March 2011Sandton 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 Offi cer

Afric Xpress

Services Inc, Ghana

Randell Hato

Chief Financial Offi cer

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 Offi cer

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 9AND

Co-located with:

Gold Sponsor:Platinum Sponsor:

Who’s attending?Who’s attending?

AfricaCards

• Retail & commercial banks• Telco’s• Entertainment & online gaming• Government & utilities• Transport & hospitality

operators• Money transfer operators• Prepaid card vendors• Retailers & shopping centres

• Retail & commercial banks• Micro-fi nanciers• Mobile telecom operators• Mobile payment providers• Mobile transfer remittance

companies• Mobile payment vendors

• Retail & commercial banks

• Reserve /central banks

• Retailers & credit card issuers

• Foreign exchange bureaus

• Government

• Card issuers, manufacturers & vendors

• Payment systems providers

• Telco’s• Major billing

companies• Micro-fi nanciers

Cards Africa 2011book early and save

The combined desire for faster transactions processing and the emergence of mobile money and prepaid cards is drastically changing the cards landscape. In addition, card fraud has not abated and new ways of attacking the systems are constantly appearing.

With credit, debit and smart cards experiencing tremendous growth in Africa, Cards Africa 2011 provides a platform for you to discuss pertinent issues in this business sector.

Now is the time to gain a host of new skills,

by attending you learn:

• How to increase ARU• How to make cross-border transactions easier• How to gain a part of the untapped potential• How to have a full grasp on EMV migration• How to minimise fraud• How to increase your scope in the face of ageing

infrastructure• How to ensure revenue streams through mobile

money

Africa’s prepaid cards and mobile money

revolution

Learn how Africa is swiftly taking up the most talked about payments industry potential: The un-banked!

The un-banked population and diaspora has become a major driver in the business models for bankers

and non-bankers alike. Non-fi nancial businesses are offering fi nancial services and the sector is growing at an unprecedented rate globally.

Why Cards Africa 2011?

We have Africa’s most successful money moving stories. These will change the way you do banking, retail transactions and payments. Reserve your place now to ensure you don’t miss out on this interactive learning opportunity!

2

Vimbayi KanyonganiseConference ManagerTerrapinn Limited

5-day Platinum pass

Save R5370

if you book before 31 Dec See back page

I enjoyed

the event.

Extremely

interesting to

know what

is going on

in the rest of

Africa and in

the world on

card payments.

I enjoyed the

conference.

Karen Smith

EDC / eFuel Marketing Manager

Engen Petroleum

Limited


Cards Africa – unique networking experience

Cards Africa

www.terrapinn.com/2011/cardsza book early and save

3

“Now people

will be able to

go to a bank

or other

fi nancial

institution,

obtain a

contactless

chip card and

carry this in

their wallets

instead of

cash”

Times

June 9, 2010

Cards Africa is the only

conference in Africa

exploring all the different

payments systems that

are taking Africa by

storm

online www.terrapinn.com/2011/cardsza | email [email protected] | phone +27 (0)11 463 6001 | fax +27 (0)11 463 6903 BOOK NOW!

Prepaid Cards Day

Day One Tuesday, 22 March 2011

Prepaid card revolution• Identifying prepaid opportunities in the developing

world• The evolution of prepaid in today’s market

Innovation• Transport, loyalty, parking and credit card. How to

make it work together• Multifunction prepaid cards – what’s the business

case for them?• Semi-closed loop environments vs. closed loop

prepaid cards

Business models• Unraveling the potential – prepaid retail vs. corporate

cards• Blended products: Gautrain• Prepaid card scheme for the un-banked in Namibia:

Namibian case study

Security & regulation• Securing your business good will through securing

your prepaid cards• Understanding regulation that affects the prepaid

sphere

Mobile Money Day

Day Four Friday, 25 March 2011

A brave new mobile world• Turning your mobile money business challenges into

opportunities• The birth of Obopay in the African market • Exploring suitable reforms for regulating Africa’s

mobile money markets

Business models• M-commerce – a brave new world or just one more

channel?• Partnering up – profi table relationships for MNOs and

banks• Making green tape out of red tape: Setting up a

mobile money system• The remittances market – effectively banking money

from abroad• Afric Xpress- Txt’n’pay, money moving through your

fi nger tips

Infrastructure• Technology evolution. Mobile services and fi nancial

services• Cross-border capabilities

Legislation• Addressing AML laws and fi nding cost-effective

protection• Fraud and risk management

Cards Africa 2011

Day Two & Three Wednesday, 23 & Thursday, 24 March 2011

The cashfree generation• The card revolution and what it means for Africa’s

banking sphere • Inter-operability – Africa’s cross-border transactions

made easier• The potential of Africa’s un-banked population

Business models• Multi functional cards• Credit cards as a revenue source again post-recession• Untapped markets - domestic vs. international – card

applications

Collaborations• Mapping the way forward for retailers in Africa• Co-branding, branding and loyalty – Trust Chemists• Competing with non-traditional fi nancial services,

fi nancial institutions

Cards and payments regulation• Card interoperability- the trends and opportunities• Fee structures, fi nding balance between merchant,

customer and bank

Next generation payments• Strategy and analytics in the card business• The emergence of Get Cash ‘one tap’ banking as a

payments solution• Migration of cards to mobile – The future of

consumer payments in Africa

Payment convergence• Identifying the “profi t centre” payment systems in

Africa• Bringing your infrastructure up to speed with your

operations• Regional report on EMV migration

Fraud and security• Global security and fraud trends in the cards payment

industry• Fighting fraud – taking the chip off the shoulder

Technology and innovation• IT as the future of cards payments, taking a sneak

preview into tomorrow• Chip technology implementation

Conference highlights

Your event contact is Brian Shabangu

+27 (0)11 463 6001

[email protected]

“There is a

need to walk

in the shoes

of people

with different

needs to bring

fi rst fi nancial

to the

previously

un-banked.”

Business Day

July 30, 2010

Post-conference workshops

Demand for advanced payments and the

evolving regulatory frameworks

ORSmart technology for smart people: Prepaid

card functionality

Catherine

Mogambi

Head of Card Services

Commercial

Bank of Africa,

Kenya

Kingsley Ogbonna

Head of Card Business

Bank PHB,

Nigeria

Graeme Holmes

Head Consumer Cards Nedbank,

South Africa


4

“Considering

that

something

like 17

percent of all

remittances

from UK last

year were

going to

Nigeria, you

can see the

potential.”

Financial Times

September 30, 2010

“We are

planning

nothing

short of a

mobile money

revolution

in the

country,”

Vodacom CEO Pieter Uys

Business Day

July 30, 2010


A-list of industry experts

Abeyu Mengesha

Head of Card CentreWegagen Bank,

Ethiopia

Francis

Matseketsa

Mobile Money Executive Econet Wireless,

Zimbabwe

Aderonke Kuye

General Manager e-Business & Card Services Guaranty

Trust Bank Plc,

Nigeria

Bezant Chongo

Regional Microfi nance Specialist PlaNet Finance,

South Africa

Gavin Savala

Regional Head of Card Issuing and Acquiring BancABC,

Southern Africa

Olusegun Falana

Group Head Card Services

Fin Bank,

Nigeria

Susan Potgieter

General Manager Commercial Crime Offi ce South African Banking

Risk Information

Centre (SABRIC)

Mark Taylor

Managing Executive Terminals Financial and On-Line Services M-PESA

Vodacom,

South Africa

Karen Jordaan

Regional Director Northern and Southern Africa Western Union

Africa

Patrick Gordon

Group CEO Mobicash,

South Africa

Yolande van Wyk

CEO Smart Services FNB Mobile and

Transact Solutions,

South Africa

Agatha Yowela

Head of Acquiring Cards Barclays Bank

of Zambia,

Zambia

Hoda Shoukry

Chief Executive Offi cer Mediterranean

Smart Cards

Company,

Egypt

Chris Reddish

ChairmanPrepaid

Forum, UK

Dr Matthews

Mtumbuka

Head of Technical Services Malswitch,

Malawi

Brad Gillis

Chief Executive Offi cer Regulated Products Cluster BankservAfrica,

South Africa

Norman

Roberts-York

Head Payment Solutions Transaction

Payment Solutions,

London

use your brain

The Terrapinn differenceTerrapinn events create exciting places to...

• interact and grow knowledge• meet and make contacts• become inspired and re-energised.

5-day Platinum pass

Save R5370


Cards Africa 2011 is bring-ing together all the leaders in payments from around Africa!

www.terrapinn.com/2011/prepaidza book early and save

5online www.terrapinn.com/2011/prepaidza | email [email protected] | 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 fl ow• Exploring available avenues of increased investment into prepaid• What the outlook is for prepaid adoption and how it will make

your business make senseMutsa 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

opportunitiesChris 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 profi ts to your bottom line

• Understanding which functional partnerships will increase brand strength and profi ts

• 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, fi nding 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 profi ts 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 investmentErrol 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 regardAlbert 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 cardsUchenna 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 sectorKumaran 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

Day One Wednesday, 23rd of March 2011


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 effi cient 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 profi ts, the business case for volume over margins

• Increasing market share, market dynamics and understanding the specifi c market needs

• Developmental vs profi t orientated business modelsFatai 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 effi ciency

• Cross-border transactions simplifi ed and made cost-effective• Uniformity in technological implementation & consistency i

regulation to ensure transactional easeUchenna 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 infl uences business plans

• Blended products, getting the most value and benefi t per card• Cards as an engine for ecomonic independanceGavin 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 themHoda 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 fi rmNorman Roberts-York, Head Payment Solutions, Transaction

Payment Solutions, London


Collaborations

14:00 Case study: Co-branding, branding and loyalty – Trust Chemists

• What can Africa learn from more established markets• Customer-driven diversifi cation that yields high profi ts• What more for the sector, keeping cards relevant and cutting edgeNittin Chittal, Vice President Direct Banking, Axis Bank, India

14:30 Panel session: Competing with non-traditional fi nancial

services fi nancial institutions

• Moving away from fi nancial services and systems that are becoming obsolete

• Finding the right mix in card functionality, swipe vs. withdrawal• Ingenuity for future generations, fi nding new ways to add valueAderonke 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, fi gures 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, fi nding balance between

merchant customer and bank

• Customer needs and how these can be translated into revenue• Bank fee structure that increase market share and profi t margins• Finding mutually benefi cial 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


6 BOOK NOW! online www.terrapinn.com/2011/cardsza | email [email protected] | phone +27 (0)11 463 6001 | fax +27 (0)11 463 6903

Book before 31 December to save 20%Fax the registration form to +27 (0)11 463 6903

Day Two Thursday, 24th of March 2011


Brad Gillis, Chief Executive Offi cer 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 technologySimon 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 “profi t centre”

payment systems in Africa

• Identifying the payment patterns to ensure that your business positioning is accurate

• Discover which payments are resulting in higher profi ts and more account openings

• Map the way forward to strengthen Africa’s overall payment scenePaul 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 cardsAgatha 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


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 trendsSusan Potgieter, General Manager Commercial Crime Offi ce, 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 clienteleWilfred 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 fi nance

• 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 cardNassoro 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


7online www.terrapinn.com/2011/cardsza | email [email protected] | 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.

Mobile Money Day Friday, 25th of March 2011


A brave new mobile world

08:45 Keynote address: Turning your mobile money business

challenges into opportunities

• Find the right business model and profi ts from ‘lower end’ market transactions

• Critical mass is as a necessity to make profi ts in Africa• Attract and stimulate the correct investment into infrastructureMoses 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 countriesCarol Realini, CEO, Obopay Senegal, Kenya

09:45 Keynote address: The business case for mobile money in

Africa

• Understand fi nancial and business factors that will infl uence 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 Offi cer, 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 infrastructureYolande 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 profi ts• The success of network use in mobile money• The pending need for bank-led transfers, KYC (Know Your

Customer) systems as a security toolIlze 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 fi nancial product in a non fi nancial business• M-Pesa South Africa as at March 2011 and where to from hereMark 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 revenueKaren 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 fi nancial services• A business model that creates inclusive banking and increases

your market share• Lessons to be learnt from bank and telco-led modelsBezant Chongo, Regional Micro Finance Specialist, PlaNet

Finance, Southern Africa


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 fi nancial

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 marketsPaul 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 curveArthur Goldstruck, Managing Director, World Wide Worx, South

Africa

Legislation

16:15 Presentation: Addressing AML laws and fi nding 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 identifi cation, 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 [email protected] | phone +27 (0)11 463 6001 | fax +27 (0)11 463 6903


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5-day Platinum pass

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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 leaderYour 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 fi nancial 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 effi cient payments and fi nancial 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 fl ourish in this environment, by turning to how players in mobile payments can involve themselves in the regulatory framework developments through engaging in industry bodies.


09:00 Introduction to mobile money

• Main regulatory concepts of fi nancial 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?


11:00 How do we scale the mobile frontier,

leveraging technology and partnership

for sustainable development and fi nancial

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.


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


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 fi nancial case for prepaid

cards

• An explanation of the issues relating to the development of business and fi nancial cases and plans for smart card-based schemes, and the identifi cation 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

Sponsor or ExhibitContact Mark Anderson +27 (0)11 516 4038

[email protected]


10

About our sponsors


Get acquainted with key industry decision makers

Only conference and expo in Africa

incorporating cards & payments,

mobile and prepaid

Banks and fi nancial institutions need to ensure sustainable performance in customer acquisition and retention through the use of 21st century card, mobile and prepaid technologies.

Suppliers are now offering solutions to help operators reach more customers and satisfy more needs. They want to manage risks and implement these solutions. Where does your company fi t in?

What is the risk of your company not being

present at Cards Africa?

• Losing market share to your competitors • Not meeting standards and being replaced • Clients forgeting that you offer those specifi c

services because EMV is taking a while to be implemented

• Becoming invisible

Why Cards Africa 2011?

• A chance for all players in the local regional market to meet, network and discuss the key issues

• Learn from developed markets and counter-parts• Develop key policy and ideas to move the industry

forward • Direct access to key buyers and sellers within the

market all under one roof• Find out how to tailor-make your solutions across

cards, prepaid and mobile commerce in Africa

Who should exhibit?

• SIM and chip manufacturers

• Mobile payment platform providers

• Mobile banking solution providers

• Secure payment providers

• Mobile payments consultants

Who should exhibit?

• Card issuers and manufacturers

• Payment systems providers

• Smart card software providers

• Cards hardware (readers /printers / writers / terminals & card testing equipment)

• Magnetic stripe cards software

• Card security providers

AfricaCards

AfricaCards

Who should exhibit?

• Prepaid card manufacturers – hardware

• Prepaid card manufacturers – software

• Loyalty and gift card companies

• Card marketers

• Payment networks and processing

Why should you exhibit at the show?

For sponsors or exhibitors:

• Increase your brand recognition at the Cards Africa’s exhibition

• Get face to face interaction with the top buyers

for your services in Africa’s payments landscape• Grow essential relationships with those wishing

to expand their portfolio and upgrade their offerings

• Communicate your expertise across the prepaid, mobile and card payments industries.

Gold sponsor

An innovative technology company that provides payments solutions to banks, retailers and utility companies. Reseller

of S1 (Postilion) transaction and switching platform, Ingenico and VeriFone POS terminals and Stratus servers.

Platinum sponsor

Mediterranean Smart Cards Company provides high quality, smart card payment processing services to banks

across Africa. Present in 25 countries with 75 clients across the region, MSCC offers the latest card payment services.

Exhibitors:

expo

Book before 31 December to save 20%

Fax the registration form to +27 (0)11 463 6903

Offi cial Travel Partner

Voted best travel company to work for

in SA!

We would like to take care of all your travel

needs. Contact us and you are guaranteed superior service and

the best rates.

michelle.govender@fl ightcentre.co.za

+27 (0)11 778 1363

Something to say?Talk to us

about speaker

opportunities

Call Mark Anderson

+27 (0)11 516 4038


online www.terrapinn.com/2011/cardsza | email [email protected] | phone +27 (0)11 463 6001 | fax +27 (0)11 463 6903 BOOK NOW! 11

It would seem mobile banking will certainly be remembered as one of the key determinants

that helped spur the economic

development of the continent.

Imara Africa

Securities Team

October 2010

“The real effect of MobileMoney

is much more than revenues. It helps to reduce churn [customer

turnover].”This is Africa

(online)

July 2010

Sponsors and delegates enjoying plenty of networking opportunities

1. Explore the potential of Africa’s payments

landscape

Hear successful case studies on how payments companies are exploring potential beyond debit and credit cards

2. Hear how banks and telcos are successfully

repositioning themselves

Discover innovative strategies and benchmark your company against your competitors

3. Challenge your bottom line and unlock the

potential of your business

Find out what Africa’s post recession profi t centres are

4. Discover the most innovative uses of

prepaid and mobile payments

There’s far more to these exciting methods than prepaid utilities and remittances- learn how you can diversify your offering

5. Get ahead using the intelligence gathered

by payment industry leaders

Investigate current trends shaping Africa’s payments landscape and explore the underlying factors driving the sector

6. Get a sneak peek into the future

Learn from those who have gotten it right – maximise your profi ts and minimise the risks of electronic payments

7. Be part of extensive networking opportu-

nities with the best payments specialists

Meet all the right people during our networking sessions at the Cards Africa exhibition

8. Learn the best practice for your cards and

payments portfolio

Learn from the industry leaders and innovators who are taking the African payments sphere by storm

8 Reasons why you should attend Cards Africa 2011

The venue

Sandton Convention Centre

South Africa’s largest and most prestigious multi-purpose exhibition and convention centre. The Sandton Convention Centre is strategically situated in Maude Street, Sandton CBD.

Tel +27 11 779 0000www.saconvention.co.za

Endorser:

Endorser of Cards Africa and Prepaid Cards:

Offi cial Media Partners:

Media partners:

2820 Designed and produced by Terrapinn.

Please fax back to Melissa Jogannah on +27 (0)86 714 9220 or contact

her on +27 (0)11 516 4060 or email [email protected] or

simply register online at https://secure.terrapinn.com/V5/rCalc.aspx?E=

3645&DS=1919&SalesRep=Jogannah

1. Should you be unable to attend, a substitute delegate is welcome at no extra charge2. Terrapinn does not provide refunds for cancellations. Invoiced sums are payable in full, except in cases where Terrapinn has been able to mitigate loss3. Terrapinn will make available course documentation to a delegate who is unable to attend and who has paid4. Terrapinn reserves the right to alter the programme without notice including the substitution, alteration or cancellation of speakers and / or topics and / or the alteration of the dates of the event5. Terrapinn is not responsible for any loss or damage as a result of a substitution, alternation, postponement or cancellation of an event6. A complimentary ticket cannot be used by a person already registered for the event, no refund can be given respectively and the registered person will be held liable for the full payment

Terrapinn may contact you about products and services offered by Terrapinn and its group companies, which Terrapinn believes may be of interest to you, or about relevant products and services offered by reputable third parties. Please tick the appropriate box if you do not wish to receive information from or your information to be disclosed to: the Terrapinn group; or reputable third parties.

If your details on the above mailing label are incorrect or duplicated, please fax all corrected labels to +27 (0)11 463 6903. These corrections will be handled as quickly as possible.

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BOOK NOW! online www.terrapinn.com/2011cardsza | email [email protected] | phone +27 (0)11 463 6001 | fax +27 (0)11 463 690312

22 - 25 March 2011Sandton Convention Centre, Johannesburg, South Africa

How to book your ticket

If you reserve your ticket but pay by invoice or bank transfer, payment must be received in 14 days

Offl ine

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Package Before 31 Dec 10 Before 11 Feb 11 Before 4 Mar 11 After 4 Mar 11 How many Calculate your ticket

Platinum Pass (5 days) R24 150 + VAT R26 835 + VAT R28 175 + VAT R29 520 + VAT*Please indicated below which = R27 531.00 = R30 591.90 = R32 119.50 = R33 652.80workshop you will be attending (Save R6 121) (Save R3 060) (Save R1 506)

Gold Pass (Any 4 days) R20 885 + VAT R23 205 + VAT R24 365+ VAT R25 525 + VAT *Please indicated below which days = R23 808.90 = R26 453.70 = R27 776.10 = R29 098.50you will be attending (Save R5 289) (Save R2 644) (Save R1 322)

Silver Pass (Any 3 days) R16 625 + VAT R18 470 + VAT R19 395 + VAT R20 315 + VAT *Please indicated below which days = R18 952.50 = R21 055.80 = R22 110.30 = R23 159.10you will be attending (Save R4 206) (Save R2 103) (Save R1 048)

Standard Pass R11 185+ VAT R12 425 + VAT R13 045 + VAT R13 607 + VAT 2 Day Cards Africa Conference = R12 750.90 = R14 164.50 = R14 871.30 = R15 512.00 (Save R2 761) (Save R1 347) (Save R640)

* Prepaid Cards Day (22 March) Cards Africa 2010 (23-24 March)

Mobile Money Day (25 March) Workshop 1 (22 March) Workshop 2 (25 March)

TotalAll tickets include refreshments, lunch and full conference documentation. The fee does not include hotel accommodation. Please photocopy for group bookings.

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Email.................................................................................................................Dietary requirements Halaal Kosher ...........................................

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