4th retail banking africa 2012 - south africa

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VISIT OUR WEBSITE: www.fleminggulf.com 10, 11 & 12 July 2012, Hyatt Regency, Johannesburg – South Africa Strategically changing Africa’s Retail Banking Landscape Beating the competition in Africa by thinking out of the box in retail banking Significance of changing the governance of retail banking across Africa Analyze how Islamic Retail Banking can change customer experience and be an influence for new business growth Make new customers, retain old customers and make loyal customers from a revised and improved retail strategy Adapt to best customer loyalty experiences from outside the banking industry Understand how new product development and marketing strategies influence growth in your existing retail banking business Best practices in electronic payments to serving the poorest of the poor and enhancing the region’s microfinance and SME businesses Improve your operating and business models by reducing cost and benefit from process outsourcing Understand the significant social purpose of retail banks in the region Meet and Network with the best of the best from Africa’s retail banking sector CEO, COO, CMO, Managing Directors, Senior Vice Presidents, Senior Managers and Group Heads of: Retail Banking, Consumer Banking, Personal Banking, Retail Assets, Retail Liabilities, Retail Credit, Retail Distribution, Branch Banking, Retail Marketing, Retail Sales, Retail Product Development, Electronic Banking, Mobile Banking, Mobile Payments, Mobile Financial Services, Retail Payments, Cards Business, Debit Cards, Credit Cards, Prepaid Cards, Smart Cards, Personal Finance, Consumer Finance, Consumer Lending, Consumer Risk Management, Islamic Retail Banking, Remittances, Retail Strategy, Retail Portfolio Management, Delivery Channels, Retail Customer Management, Customer Experience, Retail Loans, Secured Lending, Unsecured Lending, Retail Product Management, SME, Retail Operations and Micro Financing. FIND YOUR REASONS TO ATTEND WHO MUST ATTEND THE 4 TH RETAIL BANKING AFRICA 2012 Sanjeev Anand, Banque Commerciale du Rwanda Ltd, Managing Director Yolande van Wyk, First National Bank Chief Executive Officer: eWallet Solutions Tineyi Mawocha, Standard Bank Swaziland, Managing Director Brian Richardson, WIZZIT, Founder Director and Chief Executive Officer Adrian Harris, Marang Financial Services Managing Director Hennie Ferreira, MicroFinance South Africa Chief Executive Officer Ashraf Esmael, Bramer Bank Chief Operating Officer | CEO – The Mauritius Leasing Company Ltd Thami Bolani, National Consumer Forum, South Africa, Chairman Andrea Prazakova, BancABC | African Banking Corporation Group Head – Retail and SME Banking Ashish Bhugra, Citibank NA, Egypt Country Business Manager: Global Consumer Group Nabeel Malik, First City Monument Bank Plc, Executive Director – Retail Banking Group Sandeep Sharma, Fina Bank Head of Retail Banking Sonny Zulu, Standard Chartered Bank Zambia Plc, Head of Consumer Banking Dotun Adeniyi, Skye Bank Plc, Executive Director | Enterprise Risk Management Haitham Abdou, ITS Group Director – Marketing Ozkan ERENER, VERiPARK General Manager: VeriPark Gulf Bruce Nicholson, Microsoft Dynamics CRM Architect Ram Rastogi, National Payments Corporation of India (NPCI) Head of Mobile Payments and Financial Inclusion Kevin Carty, FEXCO Merchant Services Business Development Manager: Southern Asia, Middle East and Africa Brian Timothy Quarrie, Network International Executive Vice President | Sales and Client Management Lana Strydom, First National Bank Head of Digital Marketing and Media: FNB Brand Management Reg Swart, Fundamo – A Visa Company Senior Vice President: Central Europe, Africa and Middle East Leoni Groenewald, JD Group Chief Information Officer: New Business Division Marc Joubert, JD Group Financial Services Marketing Executive Roy S. Akalah, KCB Bank Group Director: Back Office & Customer Service Deborah Aspoas, Cell C Head of Customer Care Chantel Botha, Sanlam Limited, Customer Experience Evangelist: Sanlam Personal Finance Lincoln Mali, Standard Bank of South Africa, Director: Customer Channels Gustav Vermaas, Standard Bank Africa Head of Payments & Acquiring Ica van Eeden, Sun International Limited Chief Customer Officer Cathy Rutivi, Consumer International, Africa, Project & Member Services Officer Mohamed Saloojee, Consumer Finance Specialist CONFIRMED SPEAKERS & PANELISTS USE QR CODE FOR WEBPAGE:

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visit our website:

www.fleminggulf.com

10, 11 & 12 July 2012, Hyatt regency, Johannesburg – south Africa

 Strategically changing Africa’s Retail Banking Landscape 

beating the competition in Africa by thinking out of the box in retail banking

significance of changing the governance of retail banking across Africa

Analyze how Islamic Retail Banking can change customer experience and be an influence for new business growth

Make new customers, retain old customers and make loyal customers from a revised and improved retail strategy

Adapt to best customer loyalty experiences from outside the banking industry

understand how new product development and marketing strategies influence growth in your existing retail banking business

best practices in electronic payments to serving the poorest of the poor and enhancing the region’s microfinance and SME businesses

improve your operating and business models by reducing cost and benefit from process outsourcing

understand the significant social purpose of retail banks in the region

Meet and Network with the best of the best from Africa’s retail banking sector

Ceo, Coo, CMo, Managing Directors, senior vice Presidents, senior Managers and Group Heads of:Retail Banking, Consumer Banking, Personal Banking, Retail Assets, Retail Liabilities, Retail Credit, Retail Distribution, Branch Banking, Retail Marketing, Retail Sales, Retail Product Development, Electronic Banking, Mobile Banking, Mobile Payments, Mobile Financial Services, Retail Payments, Cards Business, Debit Cards, Credit Cards, Prepaid Cards, Smart Cards, Personal Finance, Consumer Finance, Consumer Lending, Consumer Risk Management, Islamic Retail Banking, Remittances, Retail Strategy, Retail Portfolio Management, Delivery Channels, Retail Customer Management, Customer Experience, Retail Loans, Secured Lending, Unsecured Lending, Retail Product Management, SME, Retail Operations and Micro Financing.

FIND YOUR REASONS TO ATTEND

WHO MUST ATTEND

THE 4tH RETAIl BANkINg AFRIcA 2012

Sanjeev Anand, Banque commerciale du Rwanda ltd, Managing Director

Yolande van Wyk, First National Bank Chief Executive Officer: eWallet Solutions

Tineyi Mawocha, Standard Bank Swaziland, Managing Director

Brian Richardson, WIZZIT, Founder Director and Chief Executive Officer

Adrian Harris, Marang Financial Services Managing Director

Hennie Ferreira, MicroFinance South Africa Chief Executive Officer

Ashraf Esmael, Bramer Bank Chief Operating Officer | CEO – The Mauritius Leasing Company Ltd

Thami Bolani, National consumer Forum, South Africa, Chairman

Andrea Prazakova, BancABc | African Banking corporation Group Head – Retail and SME Banking

Ashish Bhugra, citibank NA, Egypt Country Business Manager: Global Consumer Group

Nabeel Malik, First city Monument Bank Plc, Executive Director – Retail Banking Group

Sandeep Sharma, Fina Bank Head of Retail Banking

Sonny Zulu, Standard chartered Bank Zambia Plc, Head of Consumer Banking

Dotun Adeniyi, Skye Bank Plc, Executive Director | Enterprise Risk Management

Haitham Abdou, ITS Group Director – Marketing

Ozkan ERENER, VERiPARk General Manager: VeriPark Gulf

Bruce Nicholson, Microsoft Dynamics CRM Architect

Ram Rastogi, National Payments corporation of India (NPcI) Head of Mobile Payments and Financial Inclusion

kevin carty, FEXcO Merchant Services Business Development Manager: Southern Asia, Middle East and Africa

Brian Timothy Quarrie, Network International Executive Vice President | Sales and Client Management

lana Strydom, First National Bank Head of Digital Marketing and Media: FNB Brand Management

Reg Swart, Fundamo – A Visa company Senior Vice President: Central Europe, Africa and Middle East

leoni groenewald, JD group Chief Information Officer: New Business Division

Marc Joubert, JD group Financial Services Marketing Executive

Roy S. Akalah, kcB Bank group Director: Back Office & Customer Service

Deborah Aspoas, cell c Head of Customer Care

chantel Botha, Sanlam limited, Customer Experience Evangelist: Sanlam Personal Finance

lincoln Mali, Standard Bank of South Africa, Director: Customer Channels

gustav Vermaas, Standard Bank Africa Head of Payments & Acquiring

Ica van Eeden, Sun International limited Chief Customer Officer

cathy Rutivi, consumer International, Africa, Project & Member Services Officer

Mohamed Saloojee, Consumer Finance Specialist

cONFIRMED SPEAkERS & PANElISTS

use Qr CoDe for webPAGe:

GOLD SPONSOR:

PREMIUM SILVER SPONSORS:

ASSOCIATE SPONSOR:

GLOBAL COMMUNICATION PARTNER:

MEDIA PARTNERS:

LEAD MEDIA PARTNERS:

SUPPORTING SPONSOR: CONFERENCE SPONSOR:

Booking line: tel: + 971 4 6091564, fax: + 971 4 6091589

email: [email protected], www.fleminggulf.com

8:00 Registration and Morning coffee

8:50 Welcome Note from Fleming gulf

9:00 Opening Remarks from the chair Mohamed Saloojee, Consumer Finance Specialist

REINVENTINg THE AFRIcAN RETAIl BANkINg MODEl

9:10 KeYNote Africa Retail Banking – The New Order• ExistingsizeofconsumerfinancingproductsandservicesPan-Africaperspective• PoliticalChallengesandoutcomeinthecontinent’sfinancialsector• EmergingTrends:ConsumerandRegulatory• TheNewRetailBankingOrderMohamed Saloojee, Consumer Finance Specialist

9:40 cEO Panel | The Future of Retail Banking: Retailer’s competitive MovementGlobal economy has witnessed a trend where local and international players have direct link with the consumer are now entering a phase of supplying financial services to basic consumers. Retailers, Telcos, and Agencies are slowly becoming a threat for retail banks to entertain customers in basic financial services. Keeping an eye on these threats, what will be the future of retail banking in Africa? This panel discussion session will feature visionary CEOs to take you through on crafting a competitive strategy to become leaders in retail banking and the world of retail. The paneldiscussionwillfeature:-• Retailbankingtodayandtomorrow...• ThinkasRetailersforachange...• Methodsongainingconsumerconfidenceandtrust...• Alternatemethodstostrengthenretailbankingservices...• Theroleofbranchesandotheralternatechannelstobeatthecompetition...• Tryingtobemoreofethicalratherthanconventionalinservingconsumers...• Revampingtheretailbankingbusinessmodel...• TelcosandMobilewillleadinthefuture...areretailbankspreparedforthe

competition?• WhathaveRetailBanksdonetoentertaintheSMEsector...• UnderstandingtheEthicalandSocialPurposesofBankingintoday’sworld...• WhatcanRetailBankingLearnfromCorporateBankingtactics?Featured Panelists:Sanjeev Anand, Banque commerciale du Rwanda ltd Managing DirectorTineyi Mawocha, Standard Bank Swaziland Managing DirectorBrian Richardson, WIZZIT Founder Director and Chief Executive OfficerHennie Ferreira, MicroFinance South Africa Chief Executive OfficerAshraf Esmael, Bramer Bank Chief Operating Officer | CEO – The Mauritius Leasing Company LtdModerated By:Mohamed Saloojee, Consumer Finance Specialist

10:30 Morning coffee Break, Exhibition Viewing and Networking

11:00 Transforming the landscape of governance in Retail Banking• UnderstandingtheexistingportfolioofRetailBankinginAfrica:Consumer

Finance, Wealth Management, Personal Finance, Business Banking• ContributionmadebytheLargerPlayersagainsttheSmallerones• WherearewegoingwrongintheGovernanceofRetailBanking?• HowcanPoliticalandSuperPowerinfluencesubstantialgrowthinAfrica’sRetail

Banking business• Wheredowegohereon?Sonny Zulu, Standard chartered Bank Zambia Plc Head of Consumer Banking

11:30 Retail Banking Marketing – Africa’s New Order• WhatdrivesSales?

º Word of mouthº Advertisingº Previous experienceº Narrowing gap between sales and serviceº Back room to the boardroom – for better decision making

• ConsumerDecisionJourneyº AlignsalesandmarketingactivitiestoCDJº Analytics to combine pulse of the market to pulse of the customer to

enhances purchasing funnel• MovinguptheAnalyticscurveº Analytical novice to leader

º Prospect targeting models to improve acquisitionº SoLoMo analytics – Right person, right time and right place for relationship

buildingº Voice analytics for retention

Nabeel Malik, First city Monument Bank Plc Executive Director – Retail Banking Group

12:00 Budget Banking Models – growth Enabler• Mobileasonemechanismforaffordablebankingbusinessmodels• Differentexamplesofmobilebankingandmobilemoney• Gapsandopportunities• FNBcasestudywithFNBCellphoneBankingcomparedagainstFNBeWallet?Yolande van Wyk, First National BankChief Executive Officer: eWallet Solutions

12:30 “How the card Payments Industry can leverage the Opportunities of International Tourism to Africa”Understanding the economic and business impacts of international travel on cities and countries that are popular destinations of international travel, and how these

market forces create new opportunities for the Card Payments Industry – especially in Africa.• TourisminAfrica• EmergingNicheMarkets• OpportunitiesforCardPaymentProviderskevin carty, FEXcO Merchant Services Business Development Manager: Southern Asia, Middle East and Africa

13:00 luncheon

14:15 cross Selling at every Opportunity• Targetingcustomerswithoffers• Onlineselling• Inboundselling• SMSandE-maildrivenproductsalesOzkan ERENER, VERiPARk General Manager: VeriPark GulfJoint Presenter:Bruce Nicholson, Microsoft Dynamics CRM Architect

15:00 “let’s talk about Reaching the customer... Effectively!”• TextBookBusinessModelsvs.PracticalExperience...• TheCustomerLifestyleandtheClientLifecycle...“Let’sswitchgearsandcome

up with new ideas.”• ProductsandServices:BeingInnovativeisGood...BeingProactiveisBetter.• StrengtheningtoExpandingyourRetailDistributionChannelNetwork.• EffectiveMarketingStrategiestoreachouttoyourClients...• BestPracticesandLearningAshish Bhugra, citibank NA, Egypt Country Business Manager: Global Consumer Group

15:30 Afternoon coffee Break, Exhibition Viewing and Networking

16:00 loyalty Strategies to Drive customers: Improving the customer Experience• CustomerSegments–Doyouknowwhoyouaretargeting?• CustomerPsychology–TakingthepsycheofacustomerfromaLoyalty

perspective• TheStrategyvs.TheCompetition–Wherewillyoustand?• TouchPoints–Howdoesitwork?• TouchPoints–EducatingandMotivatingemployeestotouchpointspriorities

and expectations• PerformanceMeasurementandMonitoring–Pinpointtheareasof

Improvement• BestPracticesandKeyTakeAwaychantel Botha, Sanlam limitedCustomer Experience Evangelist: Sanlam Personal Finance

16:30 Winning New Product Development Strategies in Retail Banking• BuildingaProfitableNPDCulture• ProductPackagingandBundlingTechniques• Productdevelopment:BacktotheFuture• NDPInnovativethinkingvsExecution• CaseStudyandLearninggustav Vermaas, Standard Bank Africa Head of Payments & Acquiring

17:00 gURU Panel | “Opportunities lined up in Retail Product Development: The Big Picture!”• FacilitatingCustomerwithClientCentricSolutions• AdaptingtoLoyaltyPrograms–SuccessfulStoriesfromoverseas• Facilitatingbasicfinancialsolutionsandservicestomicrocustomersegments

ranging from the low income earners to the poorest of the poor• What’snewinElectronicPayments?• ExploringInnovationintheCardsPortfolio• Enhancingyourdistributionreachbeyondthebranchtowardsagencies,mobile

kiosk, mobile phones and other innovative mediums• RetailLeasingandFinancingOpportunities• AdaptingtoNewAvenues:IslamicRetailFinancialServices...BeingSocially

Responsible• BancassuranceandWealthManagementSolutions• ExploringnewfrontiersandmarketstoexpandtheretailbusinessdevelopmentFeatured Panelists:Ashish Bhugra, citibank NA, Egypt Country Business Manager: Global Consumer Groupkevin carty, FEXcO Merchant Services Business Development Manager: Southern Asia, Middle East and AfricaNabeel Malik, First city Monument Bank Plc Executive Director – Retail Banking GroupSandeep Sharma, Fina Bank Head of Retail BankingBrian Timothy Quarrie, Network International Executive Vice President | Sales and Client Managementgustav Vermaas, Standard Bank Africa Head of Payments & AcquiringModerated By: Mohamed Saloojee, Consumer Finance Specialist

17:30 closing Remarks from the chair

17:40 End of Day 1

Speakers & Delegates are cordially invited to a

NETWORkINg cOckTAIl REcEPTION

Day 1: 10th July 2012

Booking line: tel: + 971 4 6091564, fax: + 971 4 6091589

email: [email protected], www.fleminggulf.com

booking line: tel: + 971 4 6091564, fax: + 971 4 6091589

email: [email protected], www.fleminggulf.com

8:00 Registration and Morning coffee

8:50 Welcome Note from the chair Mohamed Saloojee, Consumer Finance Specialist

THE cUSTOMER IS AlWAYS RIgHT

9:00 PANEl DIScUSSION | Protecting the consumer’s Interest in African Retail BankingGlobalbankinghaswitnessedachangeinbusinessmodelsastoday’smarketismore of a customer driven than product driven. They say the customer is king or the customer is your boss. Fair trade, competition and consumer rights are the key in modern day retail banking. This panel session will feature consumer lawmakers fromAfricawheretheywillhighlight:-• TheExistingLegislationandInfrastructureinConsumerProtection• TheFutureofConsumerProtectionwherecompetitioncanbeviableinthe

interest of the consumer• Keydevelopmentstoensurebetterandfairtrade• TheConsumerProtectionLaw’simpactonRetailBanking• AppliedlessonslearntandkeytakeawayFeatured Panelists:Thami Bolani, National consumer Forum, South Africa Chairmancathy Rutivi, consumer International, Africa Project & Member Services OfficerModerated By: Mohamed Saloojee, Consumer Finance Specialist

9:30 Impact of Technology on customer centric Solutions Roll Out• Areyoureadyforcustomercentricsolution?• Roleofintegratedtechnologyincustomercentricstrategy• ImportanceofdataforcustomercentricsolutionsAndrea Prazakova, BancABc | African Banking corporation Group Head – Retail and SME Banking

10:00 Transforming to Electronic Finance & commerceAs technology innovations are constantly and rapidly changing, this has direct effect on the operations of financial institutions. To maintain their competitive edge financial institutions must be agile in developing, marketing, and selling financialproductsinatimelymanner.Utilizingthelatesttechnologyarchitectures(SOA), software solutions can now enable the business user to define and maintain financialproducts,Accountingflows,marketingandcrosssellingrulesbasedon“KYC”.Technologyenableslocalandglobalorganizationalgrowth.• UniversalBankingDrivers• BankingIndustryChallenges• TrendsinTechnologyTransformations• ITSApplyingtheTechnologyforIslamicFinancialInstitutions(Example)Haitham Abdou, ITS Group Director – Marketing

10:30 Morning coffee Break, Exhibition Viewing and Networking

11:00 customer Experience: Telecom PerspectiveDeborah Aspoas, cell c Head of Customer Care

11:20 customer Experience: Retailers PerspectiveMarc Joubert, JD group Financial Services Marketing Executive

11:40 customer Experience: Hospitality PerspectiveIca van Eeden, Sun International limited Chief Customer Officer

12:00 PANEl DIScUSSION | “let’s learn from our Friends... Enhancing customer Experience in consumer Financial Services”• SignificanceofCustomerExperienceandhowitinfluencesthepowerofsales

and revenue to a company...• TheFrontOffice–Howdoyoumakethefrontofficestaffsdealwithcustomers?• DeliveryChannel–Improvisingqualityacrossallchannelsofservicedelivery• LeveragetheVOCforCustomerIntelligence• Providinga360DegreeviewCustomerServices• ClientRetentionTechniquesandOperatingModelsFeatured Panelists:Andrea Prazakova, BancABc | African Banking corporation Group Head – Retail and SME BankingDeborah Aspoas, cell c Head of Customer CareIca van Eeden, Sun International limited Chief Customer Officerkevin carty, FEXcO Merchant Services Business Development Manager: Southern Asia, Middle East and AfricaMarc Joubert, JD group Financial Services Marketing Executivechantel Botha, Sanlam limited Customer Experience Evangelist: Sanlam Personal FinanceModerated By:Mohamed Saloojee, Consumer Finance Specialist

12:30 NFc – components of Success: customer Experience & challengesBrian Timothy Quarrie, Network International Executive Vice President | Sales and Client Management

13:00 luncheon

ENHANcINg DElIVERY cHANNElS TO SERVE cUSTOMERS BETTER

14:30 Social Banking: Retail Bank 2.0• BankingforTomorrow:GenerationY• HowCustomerBehaviourwillChangeFutureRetailBanking?• ChallengesforRetailBankstoadaptto2.0Technology• BestPractices&CaseStudieslana Strydom, First National Bank Head of Digital Marketing and Media: FNB Brand Management

15:00 CAse stuDY “The king of all channels – The Branch”• TheFrontOfficeExperience:ImprovingtheRoleoftheCustomerService

Officers and Relationship Managers• BranchExperienceasperCustomerSegments:MassMarket,Affluent,Priority&

Preferred Clients• TheResponseTime–EfficiencyinSelfServiceandCustomerService• MarketingandBrandinginBranches:TheAmbiancelincoln Mali, Standard Bank of South Africa Director: Customer Channels

15:30 Afternoon coffee Break, Exhibition Viewing and Networking

16:00 centralizing Retail Banking Operations: Outsourcing and Shared Services• Theimportanceofcentralizedoperations• Keydriversofbeingcentralized• Processimprovement• OutsourcingasaCompetitiveStrategy• Minimizingtheallocatingriskin3rdpartyoutsourcingtransactions• CentralizedBackOfficeVSDecentralizedSystems• TheroleofSTPinCentralOperations• VendorManagementandPerformanceImprovementRoy S. Akalah, kcB Bank groupDirector: Back Office & Customer Service

16:30 Potential Technologies to Support Africa’s consumer Finance Business• BroadPictureofConsumerFinanceinAfrica• ExistingTechnologicalTrendinAfrica’sConsumerFinanceSector• LegislativeapproachestoTechnologicalinfrastructuresthatcansupport

Consumer Finance• BeingmoreagileinthebusinesswithCloudComputing• InfrastructuralsupportforMobile,CardsandtheInternet• EmergingTechnologicalTrends:GoogleMobileNFCPayments• What’snextineBankingwebsites?leoni groenewald, JD groupChief Information Officer: New Business Division

17:00 PANEl DIScUSSION | leveraging a Balanced Scorecard to Deliver Retail Operational Excellence• Whatshouldbusinessesstriveforbesidesprofitablegrowth?• PathofProgression:Whatcomesfirst?• RevisitingOperationalExcellenceProceduresinRetailBanking• ProductionManagement–SatisfyingBackOfficeandFrontOfficeapplications• SignificanceofContinuousProcessImprovement:Howdoesithelp?• Deliveringoperationaladvantagethroughconsumertransactionlifecycle

managementFeatured Panelists:Sandeep Sharma, Fina Bank Head of Retail BankingRoy S. Akalah, kcB Bank group Director: Back Office & Customer Servicelincoln Mali, Standard Bank of South Africa Director: Customer Channelsleoni groenewald, JD group Chief Information Officer: New Business DivisionModerated By:Mohamed Saloojee, Consumer Finance Specialist

17:30 closing Remarks from the chair

17:40 End of Day 2

Day 2: 11th July 2012

Booking line: tel: + 971 4 6091564, fax: + 971 4 6091589

email: [email protected], www.fleminggulf.com

8:00 Registration and Morning coffee

8:50 Welcome Note from the chair Mohamed Saloojee, Consumer Finance Specialist

PAYMENTS & RETAIl PRODUcTS IN AFRIcA

9:00 growing the Retail Assets BusinessAmongst all products in the retail portfolio, the profitability contribution from retail assets is significantly the highest. Still many banks had recorded a significant number of bad loans during thefinancialcrisis.Theoneswhohaven’tstillhaveacompetitiveedge. This presentation will take you through a cautious manner of growingtheretailassetsbusiness:-

• CleanupofLoanPortfolio

• LiquidityManagementinSecured&UnsecuredAssets

• ConsumerCreditRisk

• CaseStudyDotun Adeniyi, Skye Bank Plc Executive Director | Enterprise Risk Management

9:30 Mobile Remittances – case Study of IMPS• GlobalRemittanceLandscape

• MobilePaymentRevolution

• GeographicalDistribution

• IndianMobilePaymentMarket

• InterbankMobilePaymentsSystem–IMPS

• CaseStudyandKeyTake-awayRam Rastogi, National Payments corporation of India (NPcI) Head of Mobile Payments and Financial Inclusion

10:00 Interoperability between MobileMoney SchemesThe beneficial network effect of open loop payment schemes and how to achieve this...Reg Swart, Fundamo – A Visa companySenior Vice President: Central Europe, Africa and Middle East

10:30 Morning coffee Break, Exhibition Viewing and Networking

OPPORTUNITIES IN THE SME & MIcROFINANcE SEcTOR OF AFRIcA

11:00 Exploring New Frontiers to grow the Microfinance Business• MobileServicesinMicrofinance:Products,Servicesand

Technology

• TheUnbankedMarket–WhatmorecanMicrofinanceoffer?

• InnovationinMicrofinance

• RisksandBarrierstoInnovation

• ShiftingtheMicrofinanceCustomertoSMEorRetailBanking

• CaseStudies,BestPracticesandKeytake-away

11:30 Islamic Retail Banking: changing the consumer lending Business Models• TheimportanceofIslamicbankingtorevitaliseconsumer

confidence

• Islamicbankinghasthecapacitytoreachoutto70-80%unbanked in Africa

• Asset-backednatureofShariahBankinghasmoreresilience

• IslamicBankingmodelfocusesonrealassets,notonspeculation

• Morerisktakingandcreditaccessibilitytothepoorcommunities

• RelianceonShariahastheuniquevaluepropositionisfasteroding

• Tangiblecustomerbenefitsv/sShariahcompliance-baseddifferentiation

• Improvementofproductdevelopmentcycles,marketingcommunication, operational excellence and distribution system

Ashraf Esmael, Bramer Bank Chief Operating Officer | CEO – The Mauritius Leasing Company Ltd

12:00 Prospects for SME growth in AfricaBanks need to think out of the box to boost entrepreneurship in the region rather than closing a sales deal for an SME credit loan. Business Banking in Africa have to change their approach in developingtheregion’sSMEsectoroverall.Thispresentationwillfeature:-

• SMEsinAfrica–TheMarketSize&Trends

• DrivingInnovation&NewIdeastoImprovetheSMESector

• SuccessfulSMEBankingModel–BecomeBusinessPartnersnotjust a Financial Provider

• MaintainingRiskinSMECreditLoans

• SMEBanking–Story

• KnowledgeSharingExercisestoDevelopasuccessfulSMEBusiness:Start-upsandExpansion

Adrian Harris, Marang Financial Services Managing Director

12:30 PANEl DIScUSSION | growth Opportunities within the Next generation Payment Systems• Newplatforms,newplayers,newchallenges

• ExpandingBattlefield:TrendsinMobileandOnlinePayments

• Exploringthefuturepaymentlandscape

• Paymentinnovations:Fromnewproductstodisruptive/paradigm shifting propositions

• Providingdifferentcustomerswithseamlessaccesstotheirpreferred transaction medium

• LoyaltyStrategiestogrowtheCard&PaymentsBusiness

• Re-aligningBusinessModelstomeetlocalandinternationalPayment Gateway challenges

• CapitalizingoneCommercetoBoostNewPaymentBusinessGrowth

• FosteringgrowthintheRemittances,WorkerRemittancesandMobileRemittancesbusinessAfrica-wide

Featured Panelists:Reg Swart, Fundamo – A Visa company Senior Vice President: Central Europe, Africa and Middle Eastkevin carty, FEXcO Merchant Services Business Development Manager: Southern Asia, Middle East and AfricaSandeep Sharma, Fina Bank Head of Retail BankingHaitham Abdou, ITS Group Director – MarketingRam Rastogi, National Payments corporation of India (NPcI) Head of Mobile Payments and Financial InclusionBrian Timothy Quarrie, Network International Executive Vice President | Sales and Client ManagementModerated By: Mohamed Saloojee, Consumer Finance Specialist

13:00 close of the conference & closing Remarks from the chair

Farewell coffee and Networking

I would like to thank everyone who has helped with the researchandorganizationofthisevent,especiallythespeakersfor their support and commitment.

Fahd Ali Akmal, conference Production Specialist [email protected]

Day 3: 12th July 2012

Booking line: tel: + 971 4 6091564, fax: + 971 4 6091589

email: [email protected], www.fleminggulf.com

Mohamed Saloojee, Consumer Finance Specialist

Mohamed has been in the banking world for over twenty years, most of this time spent in executive roles within the Nedbank Group and more recently at UBANK. He is passionate and committed to making a difference in the lives of people. It is in this context that he has ensured that his expertise is in building lasting and sustainable solutions aimed at unbanked and under-banked individuals and communities both in rural and urban geographies.

Recognised as a specialist in transforming intelligence into insights, client value networks, client value propositions, innovative enablement and creative alliances. He has been instrumental in finding relevant, sustainable and economically viable solutions whilst remaining socially responsible and developmentally conscious within the various organisations he has served and the broader socio-economic and political environment he has operated in.

Tineyi Mawocha, Standard Bank Swaziland Managing Director

Tineyi Mawocha, is Managing Director at Standard Bank Swaziland Limited. He holds an HND in Hotel & Catering Management from Bulawayo Polytechnic, an MBA from University of Zimbabwe and a Masters in Development Finance (cum-laude) from University of Stellenbosch. He has

over 6 years experience in international hospitality management. In 1995, he was appointed Managing Director of Nando’s Zimbabwe. He was later promoted to Regional Developments Director for Innscor Africa. Tineyi started fast food retail operations in Zambia, Mozambique, Kenya, Uganda and Tanzania. He joined Standard Bank in 2001 as Area Business Manager and was promoted to Director Branch Network in 2002. In December 2005, he was transferred and promoted to Swaziland. Tineyi was Chairman of SADC Banking Association from 2009 till early 2012 and is the current President of the Federation of Swaziland Employers & Chamber of Commerce.

Sanjeev Anand, Banque commerciale du Rwanda ltd Managing Director

Sanjeev Anand was appointed as Managing Director of BCR in May, 2009. Prior to joining BCR, he was employed as an international staff with Citibank where he worked in various businesses globally and held a number of CEO and other senior appointments with Citibank across Asia, Africa and Europe.

In all he has over 25 years of experience in corporate, investment and retail banking. During his career, Sanjeev has been associated with several landmark transactions in sectors such as oil, gas, telecommunications, power, consumer, food products and airlines in different countries. He provided leadership in pioneering the introduction of electronic payment system systems, SME financing programs, entrepreneur development facilities and other important financial initiatives. He was engaged in the formation of Lusaka and Uganda Stock exchanges and the Capital Markets Authority in Uganda as well as legislative enactments such as mortgage law, listing guidelines, commercial paper guidelines. He was a member of the BASEL task force in Poland. Sanjeev has worked along with governments, private and public sector, DFI’s and multilateral agencies on handling sovereign debt issues, infrastructure financing and other development initiatives in Africa. He is currently the Chairman of Rwanda Leasing Association, deputy Chairman of Rwanda Bankers Association and a member of the Steering Committee for East Africa Association Monetary Union. He is also the Rwanda Chairman of East Africa Association. Under his leadership, the Bank has won The Global Finance award for two successive years. Sanjeev holds a First Class Honors degree in Commerce from Delhi University and is a Chartered Accountant from the Institute of Chartered Accountants of India.

Hennie Ferreira, MicroFinance South Africa Chief Executive Officer

Petrus Hendrik (Hennie) Ferreira is the Chief Executive Officer for MicroFinance South Africa. He is a seasoned microfinance specialist in the region. A sociologist from the University of Stellenbosch, Hennie studied microfinance from Colarado and Harvard Business School in the US. Hennie

has held various senior positions on the:-

• BankingSectorEducation&TrainingAuthority(BANKSETA)• NationalDebtMediationAssociation(NDMA)

• DebtReviewAdvisoryCommittee(DRAC)• PaymentSystemStakeholderForumforEarlyDebitOrders(PSSF)• NationalPaymentSystemStrategyBody(NPSSB)• NationalCreditIndustrySteeringCommittee(NISC)• VoluntaryDebtMediationServiceProject(VDMS)

Hennie is a South African and was raised in Port Elizabeth.

Brian Richardson, WIZZIT Founder Director and Chief Executive Officer

Educated at Wits with a BCom and an MBA. Currently a Founding Director and CEO of WIZZIT, a recently launched bank aimed at the un and under banked segment of the population. WIZZIT was launched in November 2004 and in providing affordable banking to the mass market was the first

to launch as part of its offering, cell phone banking that works across all the networks and all phones and SIM cards. WIZZIT solves not only an accessibility and affordability issue but from a convenience point of view offers 24/7 real time transactions and hence is “Your Bank in Your Pocket.” WIZZIT is recognized as the global pioneer in mobile banking. Brian is listed in Who’s Who of South African Business as well as the International Biography of Distinguished Leaders. He is an Ashoka Fellow – a global network of social entrepreneurs. He has lectured and presented at seminars and conferences throughout the world and was recently invited by the Clinton Global Initiative to present the WIZZIT model as a means to “Bank a Billion”. In South Africa, WIZZIT operates as a division of the South African Bank of Athens limited but we have launched mobile Banking in Zambia, Tanzania, Rwanda and Romania with other countries in the process of being finalised. Brian is married to an equally entrepreneurial wife and has 2 daughters and twin boys.

Sonny Zulu, Standard chartered Bank Zambia Plc Head of Consumer Banking

Sonny is the Head of the Consumer Banking Business for Standard Chartered Bank in Zambia. Most recently he was the General Manager in charge of Distribution and Alternate Channels for the Bank in Southern Africa covering Botswana, Zambia and Zimbabwe. Sonny joined Standard Chartered Bank

in 2003 in the Consumer Banking business and in 2004, he moved to Corporate Affairs in an acting capacity until he was later appointed as country Head of Corporate Affairs in 2005. In 2007, he moved back into the main business stream as country General Manager for all Distribution channels until 2011 when he was appointed General Manager for Southern Africa in charge of Distribution and Alternate Channels. As Head of Consumer Banking, Sonny is responsible for managing the Bank’s retail banking business with responsibilities over both the personal banking business and the Small and Medium Enterprises (SMEs). He has wide experience and knowledge in managing Distribution Channels which include Branch Banking, Online Banking, Mobile Banking, ATMs and Contact Centres. Sonny holds an MBA from Manchester Business School and he also has a degree in Metallurgy from the University of Zambia. He is married to Ngosa and he has two sons – Joshua and Josiah. Outside the work arena, Sonny enjoys travelling, space science, natural history and following latest natural and science discoveries.

Yolande van Wyk, First National Bank Chief Executive Officer: eWallet Solutions

Yolande van Wyk is the CEO for eWallet Solutions at FNB. Yolande and her highly skilled and dedicated team are responsible for the development of innovative alternative banking solutions such as FNB’s eWallet business. Yolande joined FNB in 2004 and was part of the original Cellphone

Banking team that revolutionised mobile banking in South Africa. Her roles included Product Development, Strategic Projects as well as the role-out of mobile banking in FNB’s African subsidiaries In 2009 the FNB eWallet Solutions team was created with Yolande at the helm. Yolande’s active interest in mobile telecoms and technology has enabled her to develop various innovative mobile financial products, three of which have won the coveted annual FNB Innovators competition. As a qualified Industrial Engineer, Yolande has worked in consulting, mobile telecoms, software development and now mobile money. She has also completed her Masters in Business Administration at UCT at the Graduate School of Business. Yolande is a dynamic, fun, loving and caring individual who has worked in various interesting markets such as Nigeria, Zambia and India. Yolande is a leading expert in mobile financial services and financial inclusion. With her extensive experience she is a regular speaker at innovation and banking conferences around the world. Yolande is a prime example of a

BIOgRAPHIES – SPEAkERS & gUEST PANElISTS

gautam Vir State Bank of Mauritius, Mauritius Group Chief Executive Officer

guy Pearce The global Banking Board, canada Chief Executive Officer

Emad El Sahhar Banque Misr, Egypt General Manager – Islamic Banking Sector

Ashish Bhugra citibank NA, Egypt Country Business Manager: Global Consumer Group

Nabeel Malik First city Monument Bank Plc, Nigeria Executive Director – Retail Banking Group

Mohamed Saloojee Consumer Finance Specialist, South Africa

TheadvisorycouncilwillaidinthequestforprovidinghighqualityeducationonthemostsignificanttopicstoeverimpactAfrica’sretailbankingsector.

THE ADVISORY cOUNcIl

Booking line: tel: + 971 4 6091564, fax: + 971 4 6091589

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booking line: tel: + 971 4 6091564, fax: + 971 4 6091589

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BIOgRAPHIES – SPEAkERS & gUEST PANElISTS

woman in IT and Financial Services that has become a leading thinker on mobile technologies and mobile banking who truly embraces the world of change and bridging the gap between ICT and Business

Ashish Bhugra, citibank NA, Egypt Country Business Manager: Global Consumer Group

Ashish joined Citi in 1990 & has acquired diverse experience in Wealth Management, Branch Operations, Marketing & Business Management during the last 21 years in the company. He started his career in Calcutta and has thereafter managed several challenging assignments in Mumbai,

Saudi Arabia, Bahrain, UAE & Egypt. After successfully managing the NRI Business in Middle East (UAE, Bahrain, Kuwait, Qatar & Saudi) for 8 years, Ashish was appointed as the Country Business Manager for Citibank in Bahrain in 2004. He excelled in this assignment having a delivered an annual growth of 25% for 6 years, thereby making a strong mark for himself & for Citi in Bahrain. Ashish launched several new products including the online banking platform. Citibank Bahrain received the Best Internet Bank award by Global Finance in 2005, 2006, 2007 & 2008. Additionally, in 2007 Citibank Bahrain was felicitated with the ‘Best workplace award’ and in 2008 for the ‘Best Loans portfolio’ in EMEA. The business also received 4 Regional awards in 2008 on their Cards portfolio. In recognition of his contributions to the retail banking space in Bahrain, the Bankers Society of Bahrain nominated Ashish as the Chairman of its Retail Banking committee. In this role he was actively engaged on behalf of the Central Bank of Bahrain in designing & implementing the ‘code of best practices’ for all Retail Banks. In 2009, Ashish moved to Cairo as the Country Business Manager of Citi’s Global Consumer Group in Egypt. Citi is one of Egypt’s leading banks with over 700 employees and has been running its consumer business since 1999. It offers the full range of banking products & services with market leadership positions in Cards, Loans & Global Wealth Management. Citibank Egypt received the Best Internet Bank award by Global Finance in 2009, 2010 & 2011. Ashish holds a double MBA degree from Birla Institute of Technology (BIT) Ranchi & from the Indian Institute of Management (IIM) Calcutta.

Brian Timothy Quarrie, Network International Executive Vice President | Sales and Client Management

Brian Quarrie is the Executive Vice President for Sales and ClientManagement, at Network International, where he holds responsibility for all business development activities across the complete spectrum of the organization’ extensive payment solutions. Brian has extensive international

IT, banking and payment systems experience having worked with many well established financial and retail organizations within the Middle East, Europe, Asia, and Africa.

Ozkan ERENER, VeriPark General Manager | VeriPark Gulf

Ozkan Erener is the president and a co-founder of VeriPark, a softwarehouse specialised in delivering solutions for financial institutions. His area of expertise is building delivery channels and integrating these channels with the CRM and BPM architectures to achieve a unified process and 360 degree

view of a customer across all the customer touch points. He has been involved in building channel strategy of numerous banks for the last ten years. Delivery channels coupled with CRM and BPM capabilities are becoming preferred mediums for providing less costly and more responsive customer service. These channels are also becoming preferred mediums for increasing transaction fee revenues from the existing customer base and selling thousands of newproductstotheexistingcustomerbase.OzkanErenerisheadingVeriParksince1998andhe is actively involved in designing software solutions for delivering the highlighted channel strategy. He is born in 1970 in Turkey and received B.Sc degree in Electronics Engineering from Bogazici University in Istanbul.

Bruce Nicholson, Microsoft Dynamics CRM Architect

Bruce Nicholson is a Dynamics CRM Architect at Microsoft Consulting Services South Africa. Bruce has 8 years experience implementing CRM technologiesandwasalsothefirstMicrosoftValuedProfessionalforCRMinSouth Africa. Bruce has implemented CRM across the majority of industries

with strong experience in retail banking, specifically in Customer Care as well and Customer Data Management. Bruce’s experience in aligning the organization’s Channel and Customer Relationship Management strategy with technology along with emerging trends and new channels such as Social CRM provides valuable lessons for those on similar journeys.

Nabeel Malik, First city Monument Bank Plc Executive Director – Retail Banking Group

Nabeel is the Executive Director in charge of Retail banking at First City Monument Bank Plc. (FCMB), Nigeria. He joined FCMB in January 2009 from Mashreq, Dubai, where he was Senior Vice President responsiblefor business development and strategy for international markets, overall

governance of existing businesses and retail expansion internationally. He was also Chief Marketing Officer while at Mashreq. Prior to these appointments, he was with Citibank, where his posts included Regional Marketing Director for CitiGold (Europe, Middle East and Africa) and Regional Head of Consumer Banking for the Gulf and Pakistan. Nabeel has also worked with ABN AMRO as country manager of retail banking in Greece, Taiwan and Pakistan. Nabeel holds a Bachelor’s degree from Princeton University and a Master’s degree from the Yale School of Management.

kevin carty, FEXcO Merchant Services Business Development Manager: Southern Asia, Middle East and Africa

Kevin is the Regional Business Development Manager of FEXCO based in Dubai responsible for The Middle East, Africa and Southern Asia, promoting FEXCO’s Tourism Related Financial Services –especially Dynamic Currency

Conversion (DCC). His prior experience include being Director of Strategy at Raseen Mobile Technologies in Abu Dhabi where his role was to provide payment solutions that leverage the convergence between telecoms, banking and emerging digital life-styles. He has also been the Regional Director for EuroCommerce in Dublin, Ireland (Now a DataCash/MasterCard Company). Card Not Present payment and risk solutions for e-commerce focusing on the airline and travel industry. He was Partner and Founder of Global Health Services in Boston USA where the business was into Telemedicine and Global Patient Advocacy Services. He has also remained a Founder and Managing Director of Mercuri International (M.E.) Dubai – UAE. A Franchisee of Europe’s leading sales and management training consultancy

chantel Botha, Sanlam limited Customer Experience Evangelist: Sanlam Personal Finance

Chantel has been consulting to businesses in the Sanlam Group on Customer Experience differentiation for the last 5 years. She led a Customer Experience program that included the design of a voice of the customer program, design of experiences across the customer life cycle and awareness and training

of over a 1000 people. This program delivered great results in terms of Net promoter score improvement, reduction in complaints and increase in qualified leads. She holds a B.Sc degree in Mathematics and Business Economics. She is a speaker at various international Customer Experience conferences as well as a guest lecturer at the University Stellenbosch Business School. She is the founder and chairwomen of BrandLove, a non-profit customer experience networking group that promotes customer experience skills development and knowledge sharing across industries.

gustav Vermaas, Standard Bank Africa Head of Payments & Acquiring

Gustav is a B.Com graduate and qualified via CiMA (ACMA UK) in 1995. He joined Standard bank in 2011 to head the Electronic Payment initiatives in Africa. His current portfolio includes: Card, Mobile, Remittance and the related partnerships. Before that he spend 6 years with Blue Label to

initially consolidate the group’s field support teams into what became Activi Technology Services. During 2007 to 2009 he was instrumental in the consolidation of the technology and operational teams in Blue Label and early in 2010 became the Blue Label Distribution: Chief Commercial Officer. His 20 years’ experience has been focused on solving business problems by integrating strategy, technology, business processes and people interventions, while retaining a strong operational focus. Before joining Blue Label he was the co-founder of IQ Commerce, the CEO of Nashua Connect and a member of The IQ Business Group International Exco. He started his career in the Anglo American Corporation, later joining TOTAL, where he spent seven years in the petroleum industry.

Sandeep Sharma, Fina Bank Head of Retail Banking

Mr. Sandeep Sharma is a professional banker with over 16 years experience with domain expertise in International, Domestic and Rural Banking, along with knowledge of the Life Insurance Industry. He has worked with institutions such as HDFC Bank, ICICI Bank and HDFC Standard Life

Insurance Company. He has extensive experience in the area of Consumer Banking, Sales, Marketing, Operations & Service Delivery, Strategic Planning, Information Technology, Audit & Controls, Training, Project Management, Innovations and Customer Service. Mr. Sandeep holds a Bachelors Degree in Science with specialization in Electronics, and a Post Graduate Diploma in Business Administration with dual specialization in Finance & Marketing. He joined Fina Bank Rwanda in September 2011 as Head of Retail.

cathy Rutivi, consumer International, Africa Project & Member Services Officer

Cathy has a background in Finance and Policy studies and has worked in financial management of corporate, regional and international development organizations. She is currently with Consumers International working on programmes and campaigns on various themes including financial services

and consumer rights protection issues. She has worked on a project on ‘strengthening consumer protection for economic and social justice’ and currently on ‘consumer citizens as drivers of pro poor development looking at consumer protection and legal empowerment of the consumer in Southern Africa. She also coordinated a programme on Financial Capability and Inclusion in East Africa through consumer education and protection delivery working with economically disadvantaged consumers.

Haitham Abdou, ITS Group Director – Marketing

Haitham Abdou has over 15 years of IT experience in the Banking and Finance Industry. Expertise in IT Strategies for financial institutions based on the latest service oriented architectures. Haitham has expertise in architecting technology to meet the requirements of Islamic financial institutions. His

Booking line: tel: + 971 4 6091564, fax: + 971 4 6091589

email: [email protected], www.fleminggulf.com

booking line: tel: + 971 4 6091564, fax: + 971 4 6091589

email: [email protected], www.fleminggulf.com

BIOgRAPHIES – SPEAkERS & gUEST PANElISTS

expertise lies in Bank Automation Projects, Branch Delivery, Core Replacements, Islamic Financing, AML, Electronic Banking and Payment Systems.

Andrea Prazakova, BancABc | African Banking corporation Group Head – Retail and SME Banking

Andrea Prazakova is a seasoned banker with over 20 years of experience in the field of retail banking across Europe and Africa. She has held various senior management roles in these regions. Andrea is the Group Head for

Retail and SME Banking for BancABC that is the African Banking Corporation based out Johannesburg in South Africa. In the current position, Andrea is responsible for the design, roll out and management of the Retail strategy in Zimbabwe, Zambia, Mozambique, Tanzania and Botswana. Her responsibility covers Strategy development and management, Sales and Channels management, CRM implementation and management, Issuing & Acquiring, Retail Product development and management, Segment management, Retail controlling and financial management, Service Quality. Having worked in senior management level across 14 countries in Central and Eastern Europe, Austria, and South Africa, Andrea has extensive experience in the following areas:

• ProjectManagement• BusinessDevelopment• SalesManagement• ProductDevelopment/Management• Training• ChannelManagement• CRM and Operational Marketing such as branding, campaign management and

merchandising

Based in South Africa, Andrea has worked in Nigeria, Kenya, Mozambique, Burkina Faso, and Malawi. Andrea has various achievements to her name such as developing a retail banking strategy and implementation of a full retail bank in Zimbabwe, Zambia, Mozambique, Tanzania and Botswana. Prior to BancABC, Andrea has worked for RZB, Erste Bank, UniCredit Group, and IFC.

Marc Joubert, JD group Financial Services Marketing Executive

Marc is a strategic marketer with a passion for relevancy, marketing innovation and business collaboration. Marc has worked in marketing for over 16 years of which the last 7 years have been focused on the financial services industry. Marc has worked on both sides of the advertising/

marketing industry as an advertising agency account executive with Publicis and Lesoba Difference, as the Financial Services Marketing Manager for Edgars and more recently the Marketing Executive at Maravedi (Pty) Ltd. Marc’s most recent business experience has been in the area of change management and marketing that affects the customer experience.

Ica van Eeden, Sun International limited Chief Customer Officer

Ica currently holds the position of Chief Customer Officer (CCO) at Sun International after having joined the group in 2006. She is responsible for driving the group’s Customer Management (CM) strategy which consists of 8 strategic group projects. She holds a Master of Commerce (M.Com)

degree in Marketing and has 20 years of experience across a wide business spectrum. In the past few years, she has been responsible for a massive staff service engagement program across all 27 of Sun International’s properties to engage 21,000 staff members, she designed and implemented their customer service experiences standards across the various Hotel and Casino Touch Points and championed their large scale CRM technology implementation to enable 2,500 frontline with relevant customer information in a single view of a customer across the group.

lana Strydom, First National Bank Head of Digital Marketing and Media: FNB Brand Management

Lana Strydom currently holds the position of Head of Digital Marketing and Media in the Brand Management unit at First National Bank, a subsidiary of First Rand Bank. Listed on the Johannesburg Stock Exchange, First Rand

Limited is one of South Africa’s largest financial institutions with R790.8bn assets under management. FNB is wholly owned subsidiary of First Rand Bank and services more than 8 million customers in South Africa. In her position at FNB she is responsible for campaign development, display media, sponsored media, search engine marketing, online reputation management and all FNB social media channels, on both strategic and operational levels. Lana has more than 15 years experience in a wide range of digital disciplines and was previously employed by Absa as Channel Manager Mobile Portals responsible for the management of Absa’s mobile presence and by MTN SA as Senior Manager Portals and Interactive, responsible for the MTN Loaded mobile portal, MTN Internet and touch screen network. Earlier in her career, she founded and managed a through-the-line advertising agency and spent some time with technology company Paracon Holdings, as Divisional Manager for Business Solutions.

lincoln Mali, Standard Bank of South Africa Director: Customer Channels

Lincoln has 15 years in the industry and joined Standard Bank 10 years ago. He is responsible for Physical Channels (Branches, Business and Private Banking Suites), Direct Channels (Customer Contact (Call) Centres, ATMs, Internet Banking, and Mobile/Cellphone Banking), Alternative Channels

(Access Points, Loan Centres, Sales staff on variable pay), and all remaining sales forces including Financial Planners. Over the last four years he has lead the 14000-plus staff complement along a unique, extremely ambitious ‘Channel Convenience journey’ which aims to integrate the myriad of channels and make banking a ‘seamless’, even enjoyable, experience. The journey involves huge challenges, changes and exciting developments for people, processes and systems. His main focus is on driving Sales, Customer Experience, People Management, and Leadership. He holds a BA, LLB and an MBA and has various other academic qualifications. Lincoln is married to Sva and they have three children.

Roy S. Akalah, kcB Bank group Director: Back Office & Customer Service

Roy Akalah is the Director for KCB’s Back Office and Customer Services division. He joined the bank in December 2009 as Head Shared Services Centre after having worked for 12 years at Standard Chartered Bank (Kenya) serving in various capacities as an Audit Manager, Head of Support

and Compliance and the Head of Consumer Banking Operations within the Shared Services Centre. He has a Bachelor of Science Degree from Pune University India and a Post Graduate Diploma in Computer Science from Nairobi University School of informatics and computer science. He holds a Certified Information’s Systems Auditor (CISA) certification and is the current President of ISACA Kenya chapter. He was previously the Head of the Shared Service Centre KCB Group.

leoni groenewald, JD group Chief Information Officer: New Business Division

Leoni first ventured into the financial services industry by means of actuarial studies, working at Hollard Life. It was there, by being part of establishing Hollard Direct Solutions that Leone was exposed to IT and developed a love for ICT. Leone moved to the UK where she pursued this passion and

formalised training in this discipline. Upon completion of her studies Leone started a business very much focused on internet technologies and strategies, developing micro-sites for big name companies such as Shell and Coca-Cola. After 8 years in the UK, Leone returned to South Africa where she focused on consulting engagements mostly pertaining to Business Process Optimisation and related IT implementations across the telecoms, banking and retail and financial industry sectors. Leone was asked to join the JD Group as an IT executive and finally got the position of CIO for the New Business Division of JDG where the focus was on innovative banking practices and payment methods.

Dotun Adeniyi, Skye Bank Plc Executive Director | Enterprise Risk Management

Dotun Adeniyi is an Executive Director and is currently Chief Risk Officer at Skye Bank. He has over 25 years banking experience, spanning Corporate, Commercial and Retail Banking. Prior to his appointment as Chief Risk Officer in 2010, Dotun was Executive Director in charge of Retail banking,

where he led several initiatives and played a pivotal role in the bank’s retail strategy. Dotun also sits on the board of Skye Bank Gambia as well as a Discount House and an Insurance Company in Nigeria. He holds a Bsc and MBA degree and is an Alumnus of INSEAD and the London Business School.

Ram Rastogi, National Payments corporation of India (NPcI) Head of Mobile Payments and Financial Inclusion

Mr Ram Rastogi, Head -Mobile Payments and Financial Inclusion in National Payments Corporation of India (NPCI) www.npci.org since August 2010. He is driving next generation, 24*7 real-time, remittance service - Interbank Mobile Payment Service. NPCI has been set up by banks in India under the aegis of Indian Banks’ Association, and support and guidance of Reserve Bank of India to provide central infrastructure for various retail payment systems in the country including card payments. Mr Rastogi is having more than three decade’s hand- on experience in the areas of banking and emerging banking technologies in State Bank of India, one of the largest bank in Asia. He was also closely associated with State Bank’s strategies in the area of design and implementation of Payment systems - ATM Deployment, Debit cards, Prepaid cards, Merchant Acquiring Business and Mobile Banking Service “State Bank Freedom”.

Reg Swart, Fundamo – A Visa company Senior Vice President: Central Europe, Africa and Middle East

Reg brings many successful years of executive and technology experience to Fundamo. He heads up the Central Europe, Middle East and Africa Region overseeing strategy and execution. Over the past 7 years he has been instrumental in the deployment of over 22 mobile financial service projects.

Some of these cutting edge projects have been the foundation of the industry as we see it today. Reg holds an Honors degree in Business Science from the University of Cape Town as well as a post-graduate diploma from Harvard Business School.

Booking line: tel: + 971 4 6091564, fax: + 971 4 6091589

email: [email protected], www.fleminggulf.com

booking line: tel: + 971 4 6091564, fax: + 971 4 6091589

email: [email protected], www.fleminggulf.com

Ashraf Esmael, Bramer Bank Chief Operating Officer | CEO – The Mauritius Leasing Company Ltd

Mr Ashraf Esmael, 44 is the Chief Operating Officer with Bramer Bank and at the same time he is the Chief Executive Officer of The Mauritius Leasing Company Limited, the pioneer leasing company in Mauritius since 1987and

the only Asset Finance Company listed on the Stock Exchange of Mauritius. Mauritius Leasing is part of the British American Investment Group, one of the largest conglomerates in Mauritius with investments in Banking, Asset Management and Insurance amongst others. During his tenure with Mauritius Leasing, he initiated the structuring and setting up of the first and only specialised fleet management operation in Mauritius to provide full maintenance lease solutions to corporate fleet owners. More recently, he successfully led industry breaking new developments in Islamic financial services (Ijaarah, Murabaha and Mudharaba based solutions) including real estate leasing, floor plan financing and Micro Financing solutions in Mauritius. Mr Esmael participates in various professional and business associations such as the Mauritian Institute of Management and the Mauritian Chamber of Commerce & Industry and he is presently the Chairman of the Association of Leasing Companies in Mauritius. He has also acted as panel member and speaker in financial services workshops organised by the Financial Services Commission, the Central Bank in Mauritius and Global Conferences in the African and EMEA region on topics such as Broadening Access to Financial Services and Islamic Finance & Capital Markets. Mr Esmael is an experienced and strategically minded business person with proven capabilities in leadership and innovation. He holds qualifications in Management Accountancy and Information Technology including a Master in Business Administration from the Surrey European Management School. He is married with 2 children.

Adrian Harris, Marang Financial Services Managing Director

ADRIAN HARRIS (B Comm. BTech. ABP MBA) is a seasoned financial services strategist and business advisor and entrepreneur, specialising in micro financial and inclusive banking solutions primarily in enterprise and housing solutions. He is a non-executive Director of Charter Consulting,

a company specializing in strategic financial services solutions for the emerging market. Charter has consulted on microfinance solutions in South Africa, Ghana, Sierra Leone and Botswana. Adrian is a valued advisor and consultant to board members, investors, and top-tier executives. He has been appointed as MD of Marang Financial Services, a leading micro finance company focussed on women in rural economies in South Africa; to effect a turnaround of the organisation. As CEO of Xiriuz Systems (a proprietary software solution for the banking sector), he led the development of the company in both local and internationally markets. The company expanded with customers in Switzerland, Belgium before it was sold. He also led Invest again; a residential property development company which has been recognisedasa leader in innercityrejuvenation.Previousexecutivepositions includeVice-President of Channel Life Ltd (Sanlam) where was responsible for the micro insurance division and Director of Cash Bank Ltd, a specialist housing bank for low income consumers. At Standard Bank he was the Director of Emerging Markets and was responsible for the strategy and operations of the micro lending and emerging business divisions.

gold Sponsor: ITS

ITS Group has been the leading ICT solutions provider for Islamic banks and Islamic finance organizations for over two decades, and is a member of AAOIFI and IFX. The ITS Universal Islamic Banking solution is Shariah compliant, and specifically designed to fulfill the needs of the Islamic banking and finance sector. ITS‘s Universal Islamic Banking solution is based on the first „Islamic Instrument Definition Engine“ which allows Financial organizations to create their own Shariah compliant products, workflow, and processes. In addition, it is based on Service Oriented Architecture & is adopting IFX Massaging Protocol. The ITS Universal Islamic banking solutions cover Consumer Financing, Trade Finance, Retail Islamic Banking, Ejarah Card Product, Treasury/Investment, Internet Banking, Risk Management with BASEL II Compliance, and Banking Delivery Channels. ITS has a keen understanding of what its customers really need from an ICT partner; in short, to enable technology utilization in order to allow your business to grow. ITS implements cutting edge solutions for numerous valued clients in the Middle East, North African and East Asian regions, through our resource pool of over 2400 skilled IT professionals based in 24 offices worldwide. For more information, please visit: www.its.ws

Premium Silver Sponsor: VERiPARk

VeriParkisasoftwarehousespecializedinproviding multichannel delivery and CRM solutions to financial institutions. The company employs 130 staff and it is

headquartered in Istanbul and has branch offices in Dubai and Cairo. The company has specializations in the following areas:

• CRM implementations for retail and corporate banking which covers new customerenrolment, 360 single view, contact center and branch automation.

• Internetbanking,callcenter,kioskandmobilebankingapplicationsincludingiPhoneandiPad

VeriParkisaMicrosoftGoldPartnerandreceivedthe“2010DynamicsPartneroftheYearAward”intheworldforFinancialServicesIndustry.VeriPark’smajorcustomersareAkbank,ING Bank Turkey, Mashreq Bank UAE, İs Bankasi, Denizbank and DubaiBank.

Premium Silver Sponsor: Microsoft

Microsoft South Africa is a subsidiary of the world’s largest independent software and services provider, and focuses on providing devices, services and solutions that help government, people and businesses realize their full potential through technology. A proudly South African company with a Level 2 BBBEE rating, Microsoft SA has been recognized globally as a high-performance region. The company’s long-term sustainability is based on the contribution it makes to the local economy, both through its 7000-strong partner ecosystem and its broad array of citizenship activities - for which it received the Best Corporate Social Responsibility award at the 2011 African Business Awards.

Associate Sponsor: Network International

Network International (NI) a leading payment processor, provides innovative products and services for governments, financial institutions, large and small businesses, and vertical sectors. More than 60 institutions put their trust in NI and benefit from a state-of-the-art electronic payment platform. Our main focus is to provide a one-stop-shop solution through sets of products and services ranging from conventional solutions to the latest most sophisticated electronic payment solutions. We believe in the security and comfort that electronic payment means have to offer, and we are therefore, dedicated to providing our customers with all the ingredients to build strong, long lasting, and profitable customer relationships. Our ready-to-deploy solutions are key to reducing the time to market for our customers enabling them to innovate and seize market opportunities. Network International is a Principal Member of MasterCardWorldwideandVISAinc.,offeringitscustomersthemostcomprehensiverangeofpayment products and services in the MEA region. Offerings include credit and debit card hosting, transaction processing services, Card production, ATM management and monitoring, Card acceptance and Authorization, Point of Sale (POS) terminals and connectivity, Merchant Settlement and Chargeback Services.

Supporting Sponsor: FEXcO Merchant Services

Established in Ireland in 1981 FEXCO is an internationally focused organisation, employing over 1650 people across its operations in Europe, the Americas, the Middle East and Asia Pacific. FEXCO introduced the world’s first Dynamic Currency Conversion (DCC) service in 1996 and today lead the market, providing solutions to over 45,000 merchants together with over 30 multi currency enabled acquiring banks worldwide.    For more information about FEXCO and our products, please visit www.fexcoms.com.

conference Sponsor: kESDEE

KESDEE is the world’s largest financial e-learning company. KESDEE’s off-the-shelf catalogue consists of 750 accredited e-learning courses on various topics in Banking, Finance, Accounting, Insurance and Risk Management. In addition, KESDEE offers ecoaches, the web-based tutorials for Certification Exams in Risk Management and Financial Analysis. KESDEE’s e-learning solutions are relevant for the providers of financial services, as well as for users, regulators, advisors and educators of financial services.

KESDEE’s clients are from following verticals:-1. Banking and Financial Services Industry (BFSI)2. Regulators of Financial Services3. Large Corporations4. Small and Medium Enterprises5. Consultancy Firms6. Technology Companies7. Educational Institutions8. Professionals Associations

KESDEE’s e-Learning courses are available both in English & Spanish. For more information visit: www.kesdee.com or e-mail us at [email protected]

BIOgRAPHIES – SPEAkERS & gUEST PANElISTS

SPONSORS PROFIlE

Booking line: tel: + 971 4 6091564, fax: + 971 4 6091589

email: [email protected], www.fleminggulf.com