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What’s in store for 2015?6 reasons to attend MPEMPE offers the best return on investment

Largest gathering of the European payment ecosystem

Senior decision makers & top industry influencers

One-stop-shop networking & 2 exclusive dinners

Wide range exhibition & live demoing

All you need to know about payments in 3 days

Practical outcomes ready to be implemented

This paper: Table of content

Powerful program Rapid fire learning CEO roundtable

Innovation Corner (with start-ups)

Merchant Payments Academy Select your conference track (3 program streams)

Networking & exhibition Rich exhibition MPE evenings: Happy hours & networking dinners

MPE Awards Ceremony and Gala Dinner

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3

MPE 2015 IN NUMBERS

participants

speakers & panelists

networking hours

program streams

sponsors & exhibitors

networking dinners

Guiding Hand Awards

Participants from Europe and beyond

“Congratulations on the work the Empiria team did to make MPE2014 such a resounding success.“

Ron Kalifa, Deputy Chairman, Worldpay

8th annual MPE 2015 is your roadmap for navigating the complex changes happening in the merchant payment ecosystem in 2015.

MPE 2015 is the best place to connect face-to-face with everyone important from the Merchant Payments Ecosystem you can think of!

*End-to-end show stands for: conference, education, networking, exhibition & demoing

The biggest European end-to-end show* on POS and merchant payments.

Payment service providers & ISOsAcquirers & processorsYoung & promising start-upsMerchantsEstablished & emerging schemesNetwork operatorsTrusted service providersSolution providers

MPE IS ALL ABOUT. . C-level executives from established solution providers and start-ups

Heads, Directors, Senior Managers, Advisors

52%MDs, CEOs, GMs, Presidents, C-level

executives and Board Members

27%

21%

Western Europe 69% Northern Europe 8%

CEE 8%Southern Europe 5%

Other 4%RCIS 3%USA 3%

EVPs, SVPs, VPs, Senior Directors, Sr. Advisors

550 +90 +40 +30 +

1223

Event Overview










44Advisory Board

MPE 2015 keywords:5

RegulationUNCERTAINTY, interchange fee cap, PSD II, security & privacy, virtual currencies, consolidation

AcquiringSCALE, margin compression, cross-border acquiring, unbundling, emerging products & services, growth & revenue drivers, convergence, ACH payments, approval rates & transaction routing

Omni-channel ENGAGEMENT vs. loyalty, payment as a part of integrated shopping experience, offers, interaction beyond payments

Mobile as/at a POS APPLE PAY, cloud and mobile POS, NFC, integration, apps, wallets, rich data, mobile coupons, security, biometrics, identity, authentication

Oliver Behrens Non Cash Transactions ManagerOrlen Deutschland

Peter MaederConsultantPerseuss

Justin Basini Former Chief product & marketing officerZapp

Rob FernandesProduct & Strategy DirectorPayPoint.net

Benjamin Nachman Founder & CEOCredorax

Frédéric Mazurier VP Finance, Risk Management and European PlatformsCarrefour Banque

Philip Thomas Head of acquiring productLloyds Banking Group

John Joseph DelaneySenior Business Development DirectorEVO Payments International

Gill WellsPayments and Fraud ManagerBadoo

Neira Jones FBCS, MSc, Advisory BoardEmerging Payments Association

Eric GroverPrincipalIntrepid Ventures

Akif Khan VP Solutions StrategyBitnet Technologies

Edward Strycharczuk Head of card acquiring, POS & ATMRaiffeisen Bank International

Gary Munro Principal ConsultantConsult Hyperion

Jakob SchreyerCEO and co-founder orderbird

Jan Maurits de Jonge Head of Point of Sale Adyen










55Chair, Speakers and Panelists

Akif KhanVP Solutions StrategyBitnet TechnologiesUnited Kingdom

John Joseph DelaneySenior Business Development DirectorEVO Payments InternationalGermany

Serkan YaziciogluEVP Customers, Products & CommunicationBKMTurkey

Ron KalifaDeputy ChairmanWorldpayUnited Kingdom

Sergey KotHead of Global Payments DepartmentWargaming.netBelarus

Ricardo GonzalesProject Manager Product DevelopmentTellerNorway

Christian Bucheli Head of Strategy, Executive DirectorSIX Payment Services Switzerland

Yves LaliouFounder & ConsultantSchwartzylaBelgium

Sebastian SandtorvTechnical Pre-salesMeaWalletNorway

Andreas HabersetzerPartner & Managing DirectorINNOVALUE Management AdvisorsUnited Kingdom

Monica GagliardiHead of the Ecommerce and CRM - OVS GroupGruppo CoinItaly

John FahertyProduct ManagerOmniPayIreland

Peter VescoSVP Payments Deutsche Telekom and CEO ClickandBuy Deutsche TelekomGermany

June FelixPresident EuropeVeriFoneUnited States

Simon KeatesPrincipal Consultant, Mobile SecurityThales e-SecurityUnited Kingdom

Arnaud CrouzetHead of Group Global Payments Development Auchan Belgium

Jens BaderCOOSecure TradingAustria

Ove TeigenVice President SalesMeaWalletNorway

Edward StrycharczukHead of Card Acquiring POS & ATMRaiffeisen Bank International AGAustria

Neira JonesFBCS, MSc, Advisory Board Emerging Payments AssociationUnited Kingdom

David RintelExecutive DirectorTrustpaySlovakia

Reed TaussigCEOThreatMetrixUnited States

Markus RindererFounder & CEOPAY.ONGermany

Joel Van ArsdalePartnerFirst AnnapolisThe Netherlands

Michael LiquornikPresidentFin-Serv AdvisorsCanada

Ralf GladisFounder and Managing DirectorComputopGermany

Steffen RuppertSVP SalesBokuGermany

Frederic MazurierVP Finance, Risk Management and European PlatformsCarrefour BanqueFrance

Oliver BehrensNon Cash Transactions ManagerOrlen DeutschlandGermany

Doninique ForestCase Handler in Payment Systems UnitEuropean CommissionBelgium

Cyril DougierHead of Business DevelopmentMyBankFrance

Jeremy KingEuropean DirectorPCI Security StandardsUnited Kingdom

Dmitry Yatskaer CTOOpenWay Belgium

Sebastien SlimHead of MarketingHPSFrance

Kristjan GjuraSales DirectorEthocaUnited Kingdom

Gill WellsPayments and Fraud ManagerBadooUnited Kingdom

Peter MaederConsultantPerseussSwitzerland

Tom RobinsonCo-Founder EllipticUnited Kingdom

Dimitri FarberCo-FounderTiller France

Sveta BulshteinSenior Sales Account Manager CredoraxIsrael

Aurimas BakasCo-FounderWoraPayLithuania

Niall HodsonCOOEvo Payments InternationalIreland

Wim PardonDirector Global Business DevelopmentBPC Banking TechnologiesBelgium

Patrick BrienenCo-Founder and CSOorderbirdGermany

Marcio CamposCEOPagPopBrazil

Glen RichardsonCMOFruugoUnited Kingdom

Felix HuberCountry LeadStripeGermany

Gilbert AriraCEOGroupement des Cartes BancairesFrance

Christophe DoliqueCEOFivoryFrance

Nigel Cox Sales Director EuropeBPC Banking Technologies United Kingdom

Christian Von Hammel-BontenExecutive Vice President Sales TelecommunicationsWirecardGermany

Predrag KovacevicTechnical directorIKICroatia

Erik MeierhoffHead of Business Development EURakutenGermany

Garrett CassidyManaging Director-EuropeCircle Internet FinancialIreland

Michael SaundersManaging Director, Digital Consumer PaymentsBarclaycardUnited Kingdom

Susanne HannestadExecutive ChairmanZwipeNorway

Barbara RineroSenior TLC Researcher - Strategy & InnovationTelecom Italia Italy

Ralf Germer CEO PagBrasilSpain

Rohit BhatnagarGroup Head - Senior Vice President, Acceptance Development, International Markets MasterCardUnited Kingdom

Luke OlbrichSenior Director and Head of Europe Middle East and Africa Core PaymentsPayPalLuxembourg

Jochen SiegertPartnerFinLeapGermany

Marcus W. MosenCOOConCardisGermany

Vincent LengletProduct Manager - AcquiringMonextFrance

Pieter PoorthuisSenior Sales EngineerBitPay The Netherlands

Chris WinterDirector, International AcceptanceDiscover Financial ServicesUnited Kingdom

Marek Hebda Financial Services DirectorPayU Poland

Marcus BeckerFounder & Chief Marketing OfficerPayCashLuxembourg

Gilles BourronHead of payments and mobilityTotalFrance

Gerrit SeidelSenior Vice President DACHKlarnaGermany

Achiya FriedSVP Acquiring /Business SectorICC-CalIsrael

Ray AndersonCEOBangoUnited Kingdom

Philippe DavidCEOWelcome Real-timeFrance

Piotr WarsickiProxy of the management boardThe Foundation for Advanced Computer Studies (FACS)Poland

Nigel DeanMarketing DirectorSpire PaymentsUnited Kingdom

Nicolas MertensFounderSign2PayBelgium

Cihan DemirPayment Product OwnerN11.comTurkey

Gary MunroPrincipal ConsultantConsult HyperionUnited Kingdom

Arda CagaptayE-commerce VPGaranti BankTurkey

Steve WarnerSenior Vice President Sales & Account Management EMEAPAY.ONGermany

Matthias HoenischHead of Card Business UnitNational Association of German Cooperative Banks ( BVR)Germany

Paul WhitmoreVP Acceptance Innovation, EuropeMasterCardUnited Kingdom

Eric GroverPrincipalIntrepid VenturesUnited States

Gerrit SindermanCEOmilliPay SystemsSwitzerland

Jan Maurits de JongeHead of Point of SaleAdyenThe Netherlands

David ParkerDirectorPolymath Consulting United Kingdom

David EmsworthHead of Loss Prevention & DisputesZappUnited Kingdom

Liam SpenceHead of InnovationZappUnited Kingdom

Geoffrey BarracloughSenior ExecutiveBarraclough & CoUnited Kingdom

Giulio De TaddeoHead of the Payment Acceptance Business DivisionWorldlineFrance

Jens ZierDirector PMSQ-ParkGermany

Josef BovetPresidentTillerFrance

Godwin SchembriChief Technical OfficerRS2Malta

Janusz DiemkoIndependent Payment ConsultantJD ConsultingPoland

Daniel EcksteinCEOAbrantixSwitzerland

Raphael PodselverBusiness Development DeutschlandConnecthingsGermany

Gerry WagnerVP, International AcceptanceDiscover Financial ServicesUnited States

Lewis ClarkUK & European Business Development ManagerAllied WalletUnited Kingdom

Roger AlexanderNon-Executive DirectorAccourtUnited Kingdom

Tom ConlonGlobal PaaSVeriFoneSweden










66

Sponsors Media Partners

Exhibitors

Sponsors

Gold sponsors:

Silver & MPE Awards Dinner

Sponsor

Supporting Partner

Chill-out zone sponsor:

BRIEF sponsor:

Silver sponsor:

Bronze sponsors:

®










7Agenda at glance

Agenda at a Glance

Opening remarks from the Chair: 8:15-8:25Moderator: Gary Munro, Consult Hyperion

Session 1: Reinventing acquiring business models 8:25-9:45

Philippe David, Welcome Real-timeJohn Joseph Delaney, EVO Payments InternationalEdward Strycharczuk, Raiffeisen Bank International GGodwin Schembri, RS2

Workshop (09:45-10:40) : Merchant Payments Challenges in Internet and Mobile Networks

Session 4: 21st century fraud factor 14:20-15:40David Emsworth, ZappPeter Maeder, PerseussSimon Keates, Thales e-Security

Jeremy King, PCI Security StandardsPredrag Kovacevic, IKI

Session 5: Changing face of security & identity 16:40-17:50

Neira Jones, Emerging Payments ssociationReed Taussig, ThreatMetrixKristjan Gjura, EthocaSusanne Hannestad, Zwipe

Closing remarks from the Chair: 17:50-18:00

MPE R S CEREMO & G I ER(20:00)

Common session stream A, B & C

Stream C: MerchantsStream : Acquiring & alternative payment

acceptanceStream B: Wallets &

Loyalty

Moderator: Gary Munro, Consult Hyperion

Session 2: Focus on profitability and risk in merchant payment acceptance 10:40-12:30

Sveta Bulshtein, CredoraxRicardo Gonzales, TellerJohn Faherty, OmniPayNigel Cox, BPC Banking TechnologiesWim Pardon, BPC Banking TechnologiesFrederic Mazurier, Carrefour Ban ue

Session 3: New wave of cross-border acquiring 12:30-13:20

Sebastien Slim, HPSCyril Dougier, MyBankChris Winter, isco er Financial Services

Break (09:45-10:40)

Lunch (13:20-14:20)

Break (15:40-16:40)

Common session stream A & B

Session 2: Mobile commerce 10:40-11:30

Erik Meierhoff, RakutenChristophe Dolique, FivoryFelix Huber, Stripe

Session 3: Enhancing the shopping experience with omnicommerce 11:30-13:20

Monica Gagliardi, Gruppo CoinJan Maurits de Jonge, dyenRaphael Podselver, ConnecthingsCihan Demir, N11.comChristian Von Hammel-Bonten, Wirecard

Moderator: a id Parker Polymath Consulting

Session 2: Wallet ecosystem 10:40-12:40

Dmitry Yatskaer, OpenWay Joel Van Arsdale, First nnapolisAurimas Bakas, WoraPaySerkan Yazicioglu, BKMPeter Vesco, eutsche elekomGilles Bourron, Total

Session 3: The wallet roundtable 12:40-13:20

Dmitry Yatskaer, OpenWayJoel Van Arsdale, First nnapolisAurimas Bakas, WoraPaySerkan Yazicioglu, BKMPeter Vesco, eutsche elekomGilles Bourron, Total

Opening remarks from the Chair: 8:15-8:25

Moderator: Neira Jones, Emerging Payments ssociation

Session 1: Merchant payments challenges in 2015 8:25-9:45

Giulio De Taddeo, WorldlineOliver Behrens, Orlen

eutschlandGlen Richardson, FruugoRalf Gladis, Computop


Moderator: David Parker, Polymath Consulting

Session 1: Proximity payments 9:10-10:20

Geoffrey Barraclough, Barraclough & CoMichael Saunders, BarclaycardSusanne Hannestad, ZwipeYves Laliou, SchwartzylaJens Zier, Q-Park

Stream C: E-commerce payments 2015

Stream : New technologies changing

merchant payments & POSStream B: Mobile and

proximity payments

Break (10:20-11:20)

Lunch (13:15-14:15)

CONFERENCE OUTCOME 14:45-15:15

Moderator: Janusz Diemko, Consulting

Tom Conlon, VeriFoneGerrit Seidel, KlarnaLiam Spence, ZappChristian Von Hammel-Bonten, WirecardRohit Bhatnagar, MasterCard



Moderator: Gary Munro, Consult Hyperion

Session 1: Bitcoin in 9:10-10:30

Akif Khan, Bitnet echnologiesGarrett Cassidy, Circle Internet FinancialTom Robinson, EllipticPieter Poorthuis, BitPay

I O ORS ROU B E 14:15-14:45

Moderator: Daniel Eckstein, branti

Participants:Marcus Becker, Founder & Chief Marketing Officer, PayCashNicolas Mertens, Founder, Sign2Pay

Gerrit Sindermann, CEO, milliPay SystemsJosef Bovet, President, Tiller Ove Teigen, VP Sales, MeaWallet

Session 2: mPOS different perspectives 11:20-13:15

Gary Munro, Consult HyperionMarcus W. Mosen, ConCardisMarcio Campos, PagPopAchiya Fried, ICC-CalPatrick Brienen, orderbirdNigel Dean, Spire Payments

Session 2: E-commerce world challenges 11:20-13:15

Gerrit Seidel, KlarnaArda Cagaptay, Garanti BankGill Wells, BadooVincent Lenglet, MonextDavid Rintel, TrustpayGlen Richardson, FruugoErik Meierhoff, Rakuten


Moderator: Janusz Diemko, Consulting

Session 1: PSP world business models 9:10-10:20

Jens Bader, Secure TradingRalf Germer, PagBrasilMarek Hebda, PayULewis Clark, llied alletArda Cagaptay, Garanti BankMarcus W. Mosen, ConCardis

chiya Fried ICC Cal

Opening remarks from the Chair: 8:50 - 9:00Roger Alexander, ccourt

Session 1: Evolution in MPE 9:00-10:10

Gerry Wagner, isco er Financial Ser icesJune Felix, VeriFoneArnaud Crouzet, uchan

Break (10:10-11:10)

Session 2: Innovation in MPE 11:10-13:00

Liam Spence, ZappRon Kalifa, WorldpayLuke Olbrich, PayPalGilbert, Arira, CEO, Groupement des Cartes BancairesErik Meierhoff, RakutenFelix Huber, StripeSerkan Yazicioglu, BKM

Lunch (13:00-14:00)

CEO roundtable c uirers & processors

Markus Rinderer, P ONiall Hodson, Evo Payments InternationalRon Kalifa, Worldpay

Session 3: European payment processing in 2015 14:20-15:30

Moderator: Andreas Habersetzer, I O UE Management d isorsSteve Warner, P OAndreas Habersetzer, I O UE Management

d isorsChristian Bucheli, SIX Payment Services

Break (15:30-16:30)

Session 4: Merchant payments regulation in Europe and beyond 16:30-17:30

Moderator: Eric Grover, Intrepid VenturesDoninique Forest, European CommissionMichael Liquornik, Fin Ser d isorsMatthias Hoenisch, ational ssociation of German Cooperati e Banks B R

&


The MPE Innovation Corner 17:40-18:20

Shortlisted start-ups:

Moderator: Jochen Siegert, Fin eap

etworking inner (18:20)

Session 2: Proximity payments case studies 11:20-12:20

Piotr Warsicki, The Foundation for d anced Computer Studies F CS

Barbara Rinero, Telecom ItaliaSusanne Hannestad, ZwipeMichael Saunders, BarclaycardYves Laliou, SchwartzylaJens Zier, Q-ParkGeoffrey Barraclough, Barraclough & Co

Session 3: Mobile and alternative payments 12:20-13:05

Steffen Ruppert, BokuRay Anderson, BangoM

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Moderator: Neira Jones, Emerging Payments ssociation

milliPay










8

Opening remarks from the Chair: Non-Executive Director, Accourt, United Kingdom

Session 1: Evolution in MPE Presentation:At the Tipping Point: Insights into the Next Stage of Payments InnovationInnovation in payments is not new — many have been talking at length about what’s next in payments. Now, as we enter 2015, the U.S. payments industry is on the verge of tipping points in areas such as security, big data, and omni-channel retailing, through which innovative products will become a reality for the marketplace. Discover will share insights into these key tipping points and how the payments industry will evolve to meet the needs of consumers.VP, International Acceptance, Discover Financial Services, United States

Presentation:Let’s talk connected commerceWhile consumers demand seamless omni-channel commerce, retailers are under increasing pressure to deliver a unique shopping experience. Mobility and new technologies are driving interactions beyond paymentand the point of sale is becoming a point of connection.As a result, vendors must make each transaction count.President Europe, VeriFone, United States

Case study:Next generation pan-European card payment platform for cross-border and omnichannel commerceAuchan Group is the world’s eleventh largest food retailer, spanning 15 countries. Auchan has recently announced a new SEPA-compliant European card payments platform, the first of its kind in Europe supporting crossborder omnichannel payments.Head of Group Global Payments, Development, Auchan, Belgium

Panel discussion:• Payments enabling mobile commerce• Technology and innovations transforming commerce• Key customer behaviour payment trends in the next 1-3 years• Redefining commerce and loyalty concept with “interaction” beyond

payments and integrated shopping experience• Which are the top 3 changes that have been impacting payments

during the past 1-2 years?• How will the payment landscape develop in 2015, is it going to be

evolutionary rather than revolutionary?VP, International Acceptance, Discover Financial Services, United StatesPresident Europe, VeriFone, United StatesHead of Group Global Payments, Development, Auchan, Belgium

8:50 - 9:00

9:00-10:10

DAY 1

COFFEE BREAK 10:10-11:10










9

Session 2: Innovation in MPE Presentations:Millennials and Payments: Innovate to accumulateWhat do the fastest growing demographic cohort of consumers want from payments? What payment innovations are needed to meet their digitally focussed lifestyles? What are the critical success factors in achieving this and what is Zapp doing to meet these challenges?Head of Innovation, Zapp, United Kingdom

Omnicommerce disrupting merchant paymentsDeputy Chairman, Worldpay, United Kingdom

2015 : A Year of Revolutionary Change in the European Payments Market• Challenges of keeping focused on growth in a rapidly evolving EU wide

regulatory payments market • Retailers and Consumers will continue to look to non-traditional

payments providers for low cost, secure, convenient solutions• The underlying deflationary macro economic environment is driving

more buyers and sellers to find credit and financial solutions from alternative providers to drive growth.

• Technology will end-user demand for change, with mobile and NFC/tokenization now set for take off Senior Director and Head of Europe Middle East and Africa Core Payments, PayPal, Luxembourg

Case study:Cartes Bancaires: Biometrics within a card scheme CB is one of the largest card payment schemes in the EU with 61.7 million cards, 58,624 ATMs, 1.3 million CB merchants and a network comprising 10 billion card transactions with a turnover of EUR524 billion in 2013.Case study from Cartes Bancaires on biometric payments, discussing security, user experience and future plans.CEO, Groupement des Cartes Bancaires, France

If you can make it there you can make it anywhere – How to set-up Bitcoin acceptance in a regulated European three party systemCase study: What kind of experiences made online marketplace Rakuten when setting up Bitcoins as a payment method? Where does Rakuten see the potential of Bitcoins in Europe in the future?Head of Business Development EU, Rakuten, Germany

Panel discussion:Innovation Roundtable • What drives innovation in payments? • What are key factors for successful innovation?• Is there still space for additional innovation and who are/might be the

disruptors?• What is the biggest barrier and challenge to innovations in payments?• Is innovation profitable? How do you measure your ROI when investing

to innovative technologies?• Establishing contactless acceptance as standard by 2020CEO, Groupement des Cartes Bancaires, FranceCountry Lead, Stripe, GermanyEVP Customers, Products & Communication, BKM, TurkeySenior Director and Head of Europe Middle East and Africa Core Payments,PayPal, LuxembourgHead of Business Development EU, Rakuten, GermanyDeputy Chairman, Worldpay, United KingdomHead of Innovation, Zapp, United Kingdom

11:10-13:00

DAY 1

LUNCH 13:00-14:00










10

Session 3: European payment processing in 2015Moderator: Partner & Managing Director, INNOVALUE Management Advisors, United Kingdom

Keynote speech:Evolution Of European Payment Processing: Past, Present, and FutureBy looking back at the evolution of European payment processing, and the initiatives and forces that have shaped the development of payment processing, it is also possible to look forward and anticipate future trends. What challenges lie ahead? More importantly, how can the industry prepare to face these challenges and evolve for the benefit of the entire payment chain?Senior Vice President Sales & Account Management EMEA, PAY.ON, Germany

Presentation:Key trends in European processing 2015 Increasing competition and consolidation, M&A, JV’s, vertical integration, increased pressure on margins in acquiring business. Transformation of business models, channel innovation, development of nonbank channels (ISOs, VARs)Partner & Managing Director, INNOVALUE Management Advisors, United Kingdom

Presentation:M&A in payments processing – an industry investor perspective The payments business in consolidation and attracting a lot of investors due to its resilient performance and growth. The speech details SIX approach to grow inorganically as an industry player. It outlines the challenges, the learnings made and the outlook to the future.Head of Strategy, Executive Director, SIX Payment Services, Switzerland

Panel discussion:• e-invoicing, SDD, ACH payment systems at POS in Europe: What are

the opportunities and threats for new and traditional payment providers? What directions can be pursued and what priorities should be set out for proposition and infrastructure development?

• Will centralized European card payments platform soon become a reality for multi-country, omni-channel merchants?

• What are the opportunities and challenges connected with integration of various systems and platforms for merchants, payment and POS providers? What will be the impact of this trend on the MPE?

• What is RICH data? - Looking beyond the card data (personal data and cloud based services)

Senior Vice President Sales EMEA, PAY.ON, GermanyPartner & Managing Director, INNOVALUE Management Advisors, United KingdomHead of Strategy, Executive Director, SIX Payment Services, Switzerland

DAY 1


14:00-14:20

CEO roundtable Acquirers & processors

CEO roundtable brings structured hot topic discussion of industry business executives providing invaluable experience for the audience

Founder & CEO, PAY.ON,GermanyCOO, EVO Payments International, IrelandDeputy Chairman, Worldpay, United Kingdom

14:20-15:30










11

Moderator: Principal, Intrepid Ventures, United States

Session 4: Merchant payments regulation in Europe and beyond

Presentation:Part I: Upcoming merchant payment regulation in EuropeUpdate from Europe and beyond on SEPA for cards, MIF regulation, PSD II and new cross-border acquiring rules• Consequences of changing regulation on various market players and their

business models• Implications of Visa Europe’s commitment to cap interbank fees and facilitate

cross-border competition within EEA• Will PSD II lead to a true single market for payments in Europe?• Can payments work without interchange?Case Handler in Payment Systems Unit, European Commission, Belgium

Presentation:Part II: Merchant payment regulation beyond EuropeAs in Europe, the regulatory environment influencing the Payment Industry in North America continues to evolve over time. As a starting point, although the US and Canadian markets are similar in many respects, particularly in terms of Card Usage, they are very different in terms of regulatory trends, and therefore cannot be thought of as a common market – NAFTA notwithstanding. In the US, we have seen increased regulation in the area of debit card interchange, Prepaid Cards, State by State money transmission and cryptocurrencies. Whilst the US has been leading on the cryptocurrency front vis a vis Europe, we would say they are trailing in the licensing and recognition of non-bank financial institutions. The much smaller Canadian market has taken a different approach in many ways, be it “voluntary” regulation of the cards markets and interchange caps, or the pragmatic position on cryptocurrency exchange regulation.President, Fin-Serv Advisors, Canada

Presentation:Part III: Changing regulation: Country profile – Germany• Future of the domestic national debit scheme in Germany• SEPA & PSD II impact on merchant payments in Germany and the future of

domestic national debit cards (ELV, Girocard)• Upcoming challenges connected with a new pricing model for Girocard• (“fees” and “concentrators”)• Regulation and its influence on banks and payment schemes: Regulators

may influence interchanges but not costs• Banks are more innovative than perceivedHead of Card Business Unit, National Association of German Cooperative Banks (BVR), Germany

Q&A17:30-17:40

Day 1 closing remarks from the Chair

16:30-17:30

DAY 1

17:40-18:20

The MPE Innovation Corner

Moderator: Partner, FinLeap, Germany

Demoing and showcasing of innovators in action is a unique concept that brings innovative “game-changing” start-up companies to the attention of most senior decision-makers in the European Merchant Payment Ecosystem.

All Participants are cordially invited to a Networking Dinner

18:20

milliPay

Shortlisted start-ups:










12

Format: Intermediate and advanced presentation and discussions on specific challenges in merchant payments acceptance. Roundtable seating will enhance networking opportunities with your peers.

Goal: Get inspiration from industry best practices, further education and knowledge sharing

Merchant Payments Academy

After the successful inaugural class of the “Merchant Payments Academy” in 2014, MPE is proud to announce its second edition. The Merchant Payments Academy aims to be recognized as the end-to-end educational body for merchants in the area of payments acceptance. It is set o be a one-stop source of education, training & networking for merchants from different segments. The Academy, in bundle with the MPE conference, provides a unique value to merchants by combining the latest industry insights, data and best practice.

When: February 17th , 11:30 - 15:30 as a concurrent stream to Day 1 of the MPE conference

Global payment possibilities

Mobile payments

Wallets

Fraud & Security

Chargebacks mitigation

Key topics:

Participants of the Merchant Payments Academy will receive a certificate recognizing their education on the latest payment trends

Collaboration with industry peers to discuss current challenges and successful practices

Access to the MPE conference and expo

Benefits for merchants:

Head of Global Payments Department, Wargaming.net, BelarusPayments and Fraud Manager, Badoo, United KingdomVP Acceptance Innovation, Europe, MasterCard, United KingdomConsultant, Perseuss, Switzerland

Merchant Payments Academy moderators:










13

Opening remarks from the Chair

Session 1: Reinventing acquiring business models

Short presentations of traditional, monoline acquirer, processor or payment provider providing their insights on:• How to reinvent business models and market strategies to remain relevant• How to re-design product sets and value proposition to meet the needs of omnichannel merchants• How to forge strategic partnerships to survive in changing environment

Case study: EVO Payments International Changes in Acquiring Business Models: EVOs responseRegulation leads to transparency, oversight, sometimes expensive technological innovation, increased competition and massive margin reduction. Acquirers must either grow volumes to lead on prices or be in very defensible niches. Consolidation is a huge wave in mainland Europe to achieve volumes. Volume is not enough. Is there really a difference between one big acquirer and another for the merchant? Increasing demands for “Global Services” mean that ticking the boxes for Europe is not enough EVO (and some others) have ticked all these boxes. For acquirers who haven’t its time to start survival planning. EVO (and some others) have ticked all these boxes. For acquirers who haven’t its time to start survival planning.Senior Business Development Director, EVO Payments International, Germany

8:15-8:25


8:25-9:45

Session 1: Merchant payments challenges in 2015 Presentation: How to face successfully the payment challenges in 2015?Digital revolution is challenging merchants in their whole business process, including selling, customer relationship and getting paid. Learn how to take up these challenges with the keynote of Worldline, the European leader in payment and transactional services.Head of the Payment Acceptance Business Division, Worldline, France

Stream B: Wallets & Loyalty

Stream C: Merchants

Stream A: Acquiring & alternative payment acceptance

Common session stream A & B

8:25-9:45

DAY 2

8:15-8:25

Chair: Advisory Board, Emerging Payments Association, UK

Chair: Director, Polymath Consulting, UKChair: Principal Consultant, Consult Hyperion, UK










14

Case study: Welcome Real-time Why Acquirers are key to solve one of the main pains of Card Issuers?Welcome Real-time is recognized as the global loyalty and marketing solutions provider for retail banks,with innovating approach to the business processes that lie at the core of payment card and merchant card loyalty programs.CEO, Welcome Real-time, France

Case study: Raiffeisen bankRaiffeisen Bank International AG (RBI) regards Austria, where it is a leading corporate and investment bank, as well as Central and Eastern Europe (CEE) as its home market. 15 markets of the region are covered by subsidiary banks. Additionally, the Group comprises numerous other financial service providers, for instance in the fields of leasing, asset management as well as mergers and acquisitions. RBI is the only Austrian bank with a presence in the world’s financial centers via branches and representative offices. In total, more than 56,000 employees service 14.6 million customers through over 2,900 business outlets, the great majority of which are located in CEE. As a bank acquirer RBI is also one of the top acquirers in the CEE region with more than 110 POS terminals and 9 Thousands ATM devices providing card acceptance services across its markets servicing more than 50 Thousands merchants. The presentation will focus on changing environments respectively the challenges for bank acquires and how the group need do address this new situation in terms of strategy, product / service value proposition, strategic partnerships, operational excellences and payment innovations.Head of Card Acquiring POS & ATM, Raiffeisen Bank International AG, Austria

Case study: RS2How Retailers Can Profit From Their AcquirerIn the current economic climate, merchants are increasingly looking for ways to both manage their costs and optimise their businesses to give a much more positive outcome to their Profit and Loss statements. Understanding this need, innovative acquirers are empowering even the smallest of merchants to stay ahead of the game and effectively manage their resources through the introduction of innovative Merchant Web Portals. Chief Technical Officer, RS2, Malta

Panel discussion:• Innovations and Investing into innovative technologies (NFC,HCE,

ACH payments, mPOS etc.) What are acquirers’ investment priorities?

• Partnership: Do alliances hold the key to succeed in innovating in merchant payments?

• What will be the key growth and revenue drivers in card acquiring business in 3-5 years: traditional POS, e-commerce, or mPOS?

• Bundling acquiring with issuing, identifying solutions building the loyalty and driving revenue of your merchant

• PSD II impacts on acquiring & issuing (TTP’s, prepaid cards, etc.) - Identifying weak points in PSD II, what should be covered in PSD II in terms of acquiring?

Senior Business Development Director, EVO Payments International, GermanyHead of Card Acquiring POS & ATM, Raiffeisen Bank International AG, AustriaCEO, Welcome Real-time, FranceChief Technical Officer, RS2, Malta

Common session stream A & B Presentation: NFC - Not For Customers or still a future technology? Presentation will show first learnings and experiences from Germany’s first dealer, who accepted NFC technology. What will be the impact of mobile payment to customer behaviors? Is there a future of NFC in competition to other technologies like beacons etc.Non Cash Transactions Manager, Orlen Deutschland, Germany

Presentation: Cross-border: a local approach with a global perspective Cross-border e-commerce and local acquiring challenges, where to consider local acquiring?CMO, Fruugo, United Kingdom










15

Workshop: Merchant Payments Challenges in Internet and Mobile Networks

When: Conference day 2, morning coffee breakDuration: 60 minutes

Questions to be discussed: Security, availability and performance challenges for SSL/TLS payment transactions over Internet and mobile networks are getting bigger and more critical to everyday service operations. During 2014 we have witnessed huge security problems like Heartbleed, Shellshock or Poodle which shows how weak are foundations of today’s Internet payment services.

Format: moderated workshop with presentation and think tank discussion.

In addition to this availability and performance problems over Internet and mobile networks are more and more common and seems that quality of service and even more important quality of experience for payment transaction are getting worse. Discuss and challenge this topics and help us all to see where the future will lead us.


Challenges and Experiences with Global Multichannel PaymentsThe natural conflict between fraud and conversion gets worse when you process payments on different channels like mobile, online and POS. An international scope adds complexity but getting across those challenges can be rewarding. Founder and Managing Director, Computop, Germany

Panel discussion:• Merchant investment priorities in new technologies

(contactless, NFC, beacon, etc.)• Cross-border e-commerce and local acquiring

challenges, where to consider local acquiring?• Partnership challenges with multiple payment

providersNon Cash Transactions ManagerOrlen Deutschland, GermanyCMO, Fruugo, United KingdomHead of the Payment Acceptance Business Division, Worldline, FranceFounder and Managing Director, Computop, Germany










16

10:40-12:30

Session 2: Focus on profitability and risk in merchant payment acceptancePresentation:Merchant onboarding challengesWe all face challenges while trying to onboard merchants. Based on her hands-on experience, Sveta will discuss how to:• Automate underwriting and onboarding processes• Build a made-to-measure onboarding team• Minimise onboarding risks and pain points such as

onboarding timeframes, costs, and compliance with standards.

Senior Sales Account Manager, Credorax, Israel

Presentation:In Store Intelligence ToolMerchants are expecting more and more from their acquirers and looking for new ways to improve their bottom line, over and above on cutting MSC costs. We will offer merchants the ability to analyze their sales and acquiring data to gain insight analysis in order to better serve their customers and empower sales managers in the store.Project Manager Product Development, Teller, Norway

Presentation:Accept with ConditionsWhat if acquirers treated merchant risk management as a revenue opportunity instead of cost? OmniPay will discuss ways to evolve thinking beyond traditional risk prevention models by adapting the core principles of how merchant acceptance is performed by acquirers.Product Manager, OmniPay, Ireland

10:40-11:30

Session 2: Mobile commercePresentation:The marketing platform for connected merchants, powered by mobile paymentThe merchant’s digitization structured around the mobile; the new consumer shopping journey and the mobile payment as the new marketing tool for developing sales and increasing customer’s loyalty.CEO, Fivory, France

Case study:Building a great mobile check-out process Best practice for improving conversion at mobile check-outCountry Lead, Stripe, Germany

10:40-12:40

Session 2: Wallet ecosystemPresentation:Don’t be afraid of wallets!What do customers, banks and retailers really want from mobile wallets? What is a lifestyle banking from the OpenWay’s point of view? Live demo: Which types of mobile wallets are supported on WAY4?CTO, OpenWay, Belgium

Presentation:Apple Pay ecosystemWith the recent introduction of Apple Pay, merchants now have the ability to offer Apple Pay transactions to the millions of Apple users expected to purchase the new iPhone 6 and iPhone 6 Plus. What does this announcement mean for existing merchant payment providers? This presentation aims to clarify open questions and challenges connected with Apple’s entry in mobile merchant payments. How Apple could change the game in the card acquiring?• Apple Pay is becoming an acceptance mark and

creating “Apple” customer shopping experience. How does it impact card transactions? Will Apple Pay pave the way for more mobile wallets that people can/want actually use?

• Adoption scenarios in EU and US• Participants and components of the Apple

ecosystemPartner, First Annapolis, The Netherlands










17

Panel discussion:• Why is it crucial to attract, engage, convert and

retain customers through mobile?• What does it take for merchants to move to mobile

and omnicommerce? • How can mobile commerce improve the today’s

digital consumer shopping journey?• What role does the checkout experience play in

the overall shopping experience?• What are key the merchant challenges in

m-commerce and mobile payments?CEO, Fivory, FranceCountry Lead, Stripe, GermanyHead of Business Development EU, Rakuten, Germany

11:30-13:20

Session 3: Enhancing the shopping experience with omnicommercePresentation:OVS and the new Digital Shopping Experience: How omnichannel marketing shapes the new customer’s journeyWhat are the challenges connected with building your omnichannel strategy : changes connected with adapting your CRM, distribution, payment, return policy, etc. Understanding next steps on merchants’ journey to omnichannel readiness. What criteria to set when deciding for my omnichannel payment provider: What’s an omnichannel acquirer look like?Head of the Ecommerce and CRM - OVS GroupGruppo Coin, Italy

Presentation:Profitability in merchant payment acceptance is about having the right infrastructure and the right cost of ownership: but where are the new opportunities?BPC will describe the options for moving to a modern, cost effective and, therefore, more profitable payment acceptance platform and will highlight a new business opportunity that will help justify the necessary investment.Sales Director Europe, BPC Banking Technologies, United KingdomDirector Global Business Development, BPC Banking Technologies, Belgium

Presentation:Emerging products and VASToday, in the highly competitive payment market, PSP’s and acquirers cannot remain profitable only by reducing prices and promising to offer best customer service. To survive they need to offer new “RICH MERCHANT SERVICES” based on innovative technologies that improve merchant’s business and support loyalty and customer interaction beyond payments.VP Finance, Risk Management and European Platforms Carrefour Banque, France

Case study:Do mobile wallets need to band together?The current approach most m-wallets take develop the chicken and egg problem: both users and merchants are required on the closed loop system. In payments it is one of the hardest to break through. But if you look at both of these issues (building a merchant netwok and bringing users onboard), don‘t they look like two different business models which require different focus points in the organisation?Co-Founder, WoraPay, Lithuania

Case study: Building a national digital wallet- BKM ExpressBKM Express is the first digital wallet to start using wearables for payments. Magical shopping experience with Google Glass using voice commands.EVP Customers, Products & Communication, BKM, Turkey

DAY 2










18DAY 2

Presentation:Wallet ecosystem: Status quoSuccessful digital wallet solution requires intersection of multiple ecosystems (mobile, finance, retail). Only few players in the ecosystem have the power and capabilities to go it alone in the digital wallet market.SVP Payments, Deutsche Telekom and CEO, ClickandBuy, Germany

Presentation:Wallets and new means of payment acceptance - What strategy for a proximity retailer?Facing a profusion of new means of payment, a big retailer like Total operating in Europe and Africa needs a strategy to select the means of payments proposed in each country. This presentation explains the analysis of Total and the criteria that are deemed relevant to ensure that the means of payment offered to our clients are compliant with our business needs and constraints. It reviews several wallets that have been chosen and tested in selected countries: Fivory (France), Yapital (Germany), BKM (Turkey), Orange Money (West Africa)Head of payments and mobility, Total, France

Presentation:Payments as part of the integrated shopping experienceAddressing the needs of the omni-consumer. Successful integration of customer-facing technology with the back-end systems. Payments helping merchants with providing a frictionless customer experience across multi-channels.Head of Point of Sale, Adyen, The Netherlands

Presentation:Engaging with today’s digital consumerHow can we link the real physical world to mobile services? Connecthings has been working since 2007 on connecting mobile devices to objects with NFC Tags, QR Codes and Beacons. Through contextual dynamic services and value offers, we can engage the 21st century consumer and increase sales for retail.Business Development Deutschland, Connecthings, Germany

Consumer payment behavior in marketplace e-commerce model in TurkeyTurkey has a diversified payment ecosystem with many moving parts such as bank loyalty cards, installment options, reward points, bank campaigns, and alternative payment methods. Some of these are unique to Turkey such as installment options. For merchants this complex payment ecosystem can create challenges especially in the checkout flow. To navigate through this complex payment world its ımportant that we track and analyse consumer behavior every step of the way.Payment Product Owner, N11.com, Turkey

Panel discussion:• What strategies have proven successful building

merchant acquiring and processing scale? (M&A, bank joint ventures and referral programs, channel partnerships, nontraditional partnerships, etc.)

• Merchant retention remains a top challenge and one of key concerns for all merchant service providers. What are the new strategies to increase satisfaction and loyalty of valuable customers?

• How to differentiate and maintain margins without increasing merchant’s churn?

• What are the challenges in automating processes to beat disruptors (solutions to handle merchant onboarding challenges)?

• Assessing profitability of new technologies and lessons learned

• What are the challenges in automating processes to beat disruptors (solutions to handle merchant onboarding challenges)?

• How can acquirers effectively handle risk management processes and service high risk merchants?

Sales Director Europe, BPC Banking Technologies, United KingdomVP Finance, Risk Management and European Platforms Carrefour Banque, FranceProject Manager Product Development, Teller, NorwaySenior Sales Account Manager, Credorax, IsraelProduct Manager, OmniPay, IrelandExecutive Vice President Sales Telecommunications, Wirecard, GermanyDirector Global Business Development, BPC Banking Technologies, Belgium










19

12:30-13:20

Session 3: New wave of cross-border acquiringPresentation:Addressing opportunities in the European acquiring marketNew regulation is transforming the acquiring business in Europe and creating opportunities. How to tackle those opportunities? What services need to be provided? What changes need to be made?Head of Marketing, HPS, France

Presentation:Boosting cross border E- and M-commerce withSEPA Credit Transfers and Direct DebitsMany issues hinder the development of E- and M-commerce, especially crossborder : payment fraud, costs, confusion in payment offer... Credit transfer and direct debit have proved their reliability, flexibility and cost effectiveness. Real time authorisation solutions connected to online bank accounts offer the possibilty to use them for selling online. SEPA, by creating unique rules all over Europe for these payment means, allow a unique and safe experience for all European citizens and businesses.Head of Business Development, MyBank, France

Panel discussion:• What does internationalization of acquiring mean for payment

providers?• What are the key considerations before expanding internationally?• What are the expansion models and partnerships challenges and

opportunities for acquirers, PSP’s and ISO’s from various regions?• Domestic acquirers’ strategies: How to defend against crossborder

acquiring attacks, compete, attack or defend?Director, International Acceptance, Discover Financial Services, United KingdomHead of Business Development, MyBank, FranceHead of Marketing, HPS, France

12:40-13:20

Session 3: The wallet roundtablePanel discussion: • Will Apple as a new kid on the block cause

the wallet revolution and create a pleasing and desired user experience?

• Is the wallet a cornerstone of the customer digital and mobile payment experience?

• What does it take to create digital wallet ecosystem?

• What factors are impacting mass adoption?• How to differentiate among the competition?• Missing standardization: Will merchants, banks,

MNO’s and technology providers collaborate to support integration and standardization

• Customer data and security challenge• How is data being effectively secured?EVP Customers, Products & Communication,BKM, TurkeyCTO, OpenWay, BelgiumSVP Payments, Deutsche Telekom and CEO, ClickandBuy, GermanyCo-Founder, WoraPay, LithuaniaPartner, First Annapolis, The NetherlandsHead of payments and mobility, Total, France

Presentation:Connecting merchants and consumers using in-app paymentsThis presentation will show how merchants can leverage new technology like NFC or BLE to connect more closely with their consumers and bring loyalty to the next evolutionary phase. On basis of in-app payments, coupons and cashbacks merchants can drive loyalty and gain more insight into consumer’s behaviour to improve their services.Executive Vice President Sales Telecommunications , Wirecard, Germany

Panel discussion:• Best practices on what merchants

are doing to improve the customer experience and payment processing

• What are the merchants’ expectations from their payment providers?

• What are the key challenges optimizing payments?

Head of the Ecommerce and CRM - OVS Group, Gruppo Coin, ItalyHead of Point of Sale, Adyen, The NetherlandsBusiness Development Deutschland, Connecthings, GermanyPayment Product Owner, N11.com, TurkeyExecutive Vice President SalesTelecommunications, Wirecard, Germany










20

Moderator: Advisory Board, Emerging Payments Association, United Kingdom

14:20-15:40

Session 4: 21st century fraud factorPresentation: Rethinking Disputes: A Multi-Layered ApproachLinking the consumer to the payment transaction. Effective loss prevention to further reduce disputes. Dispute resolution for the 21st Century.Head of Loss Prevention & Disputes, Zapp, United Kingdom

Presentation:Collaborating on strategic data security initiatives with industry stakeholdersFraud and in particular credit card fraud is costing the airline industry significant amounts of money and the airlines do not want to carry fraudsters or other criminals. By working together and collaborating with the Police forces, the airlines have succeeded in preventing even higher losses and in getting some of the criminals off the streets.Consultant, Perseuss, Switzerland

Presentation: Making Cryptography Practical For MerchantsGiven the increasing abundance of security breaches and rapidly changing face of the payments ecosystem, what steps can merchants and service providers do to protect the sensitive customer information. This talk will look at some of the high profile breaches, provide some analysis of how and why the attack happened, and provide practical guidance for minimising the effects of a breachPrincipal Consultant, Mobile Security, Thales e-Security, United Kingdom

Presentation: Minimizing the PCI Footprint: Reduce Risk and Simplify ComplianceLearn what a multi-layered approach to security is and how to establish it, understand the best practices for minimizing the cardholder data footprint to reduce risk and what are the ways to improve security and simplify PCI compliance efforts.European Director, PCI Security Standards, United Kingdom

Panel discussion: European fraud panel• Cross-border online fraud, tracking CNP fraud and effective mitigation

strategies, e-commerce and mobile fraud KPI, machine learning tools, 3D sec for mobile, segmented approach to 3D sec, decreasing “false positives”, device finger printing and proxy spoofing, etc.

• Payments are moving to mobile - what sort of mitigation strategies to use when it comes to mobile?

European Director, PCI Security Standards, United KingdomConsultant, Perseuss, SwitzerlandTechnical Director, IKI, CroatiaPrincipal Consultant, Mobile Security, Thales e-Security, United KingdomHead of Loss Prevention & Disputes, Zapp, United Kingdom

Common session stream A, B & C

DAY 2LUNCH 13:20-14:20











21

16:40-17:50

Session 5: Changing face of security & identity Presentation:Changing faces of identity and authenticationThought provoking presentation providing answers to questions many are grappling with in:• What are the current trends for identity and authentication?• How can the tensions between generating income and managing fraud

be addressed?• What predictions can we make for effectively managing identities in the

next few years?• What pitfalls should be avoided?Advisory Board, Emerging Payments Association, United Kingdom

Nirvana. Reducing Fraud whilst Increasing SalesFraudsters and criminals are well funded, coordinated and sophisticated in their approach to committing crimes against your organisation and your customers. The payments ecosystem is at the forefront of the battle to thwart the unrelenting advances attacking their networks - what does that mean?Reed Taussig, CEO at ThreatMetrix will talk about the need for companies to better collaboration with competitors and partners in order to share anonymised threat intelligence in real time. This type of collaboration will not only frustrate the efforts of fraudsters but also enhance relationships with key customers by removing obstructive authentication barriers.CEO,ThreatMetrix, United States

Presentation: Fighting Ecommerce Fraud Through Card Issuer & Merchant CollaborationWhen it comes to ecommerce fraud, card issuers and merchants are waging a war fought in isolation. Without more direct collaboration, fraudsters will continue to profit, card acceptance will decline and the customer experience will continue to suffer. In this session, attendees will learn how card issuer-to-merchant collaboration gives card issuing banks a scalable way to send confirmed fraud and customer dispute data to thousands of merchants around the world.Sales Director, Ethoca, United Kingdom

Panel discussion: Striking a balance between the security and convenience in mobile and alternative payments. Is identity a new currency? Why is identity important?Executive Chairman, Zwipe, NorwayCEO,ThreatMetrix, United StatesSales Director, Ethoca, United Kingdom

17:50-18:00

Closing remarks from the Chair

MPE AWARDS CEREMONY & GALA DINNER

All participants are cordially invited to a dinner sponsored by:










22

Stream A: New technologies changing merchant payments & POS

Stream B: Mobile and proximity payments

Stream C: E-commerce payments 2015

9:00-9:10


9:10-10:30

Session 1: Bitcoin in 2015Presentation:What is bitcoin and why are merchants interested in it?This presentation will serve as an introduction to bitcoin, covering how the protocol works and why it’s revolutionizing payments. In addition, the presentation will focus on the merchant value proposition for accepting payments in bitcoin, and how this could impact the broader payments ecosystem.VP Solutions Strategy, Bitnet Technologies, United Kingdom

9:00-9:10


9:10-10:20

Session 1: Proximity payments Presentation:Contactless and NFC payments adoption in Europe and beyondContactless payment market is expected to reach worth $9.88 Billion by 2018 and Europe will lead the penetration rate with 87% of NFC ready POS terminals. Which technology will be a key factor driving contactless growth? What type of additional benefits can spur consumer and merchant adoption?• Tipping point vs. price, security,

convenience, average transaction values, impact on basket size, transactions limits vs. spending

Senior Executive, Barraclough & Co, United Kingdom

9:00-9:10


9:10-10:20

Session 1: PSP world business models

Short presentations of 3 different PSPs sharing their insights on:Business models of payment service providers - Moving away from paymentbeing the driver of merchant feeHow to adapt business models for the mobile oriented, low cost or zero cost future of merchant payments? How to redesign product and services to meet the needs of big merchants? How to avoid a merchant churn and price erosion?

DAY 3

Chair: Director, Polymath Consulting, UK Chair: Independent Payment Consultant, JD Consulting, PolandChair: Principal Consultant, Consult Hyperion, UK










23

Case study: Secure TradingPSPs - the need to change: from payment services to payments managementIn this short but crisp presentation you will learn how the area of responsibility for a PSP is quickly growing in order to manage the complexities that online merchants face when dealing on a global scale. Supply chain elements need to be aligned within a payments strategy just as much as risk, fraud prevention and security need to meet global requirements and customer identification becomes an inherent part of any transaction process. Experience the evolution from a simple payment provisioning model to the management of a more complex and integrated payment ecosystem that is prepared for tomorrow’s challenges and creates true value for merchants competing in today’s global marketplace.COO, Secure Trading, Austria

Case study:PagBrasilBrazil - The E-commerce OpportunityBrazil is a huge market and one of the biggest e-commerce opportunities in the world. However, it is not an easy market to enter and there are certain challenges to overcome. The presentation will give an overview about the opportunity and a guideline on how to define the right strategy for the world’s 5th biggest e-commerce market.CEO, PagBrasil, Spain

Presentation:Bitcoin - A consumer perspectiveEven as Bitcoin adoption increases, it is still at an extremely early stage with limited adoption by mainstream consumers. This presentation will focus on the challenges associated with Bitcoin from a consumer perspective and some strategies to address these and drive adoption.Managing Director-Europe, Circle Internet FinancialIreland

Presentation:Digital currency regulationIs a new regulatory framework needed for digital currencies, or are the existing frameworks for other financial instruments sufficient? With regulatory uncertainty acting as a barrier to the growth of digital currencies such as bitcoin, this session examines the current regulatory landscape.Co-Founder, Elliptic, United Kingdom

Presentation:bPay – the UK’s first open-loop contactless wearable wristbanWhat is bPay? How did bPay come about? What have we learnt from bPay so far? A case study for one of the world’s first payment wearable device and the lessons learnt from previous bPay deploymentsManaging Director, Digital Consumer Payments, Barclaycard, United Kingdom

Presentation:Experience from world’s first fingerprint authenticated payment card Feedback from Zwipe MasterCard pilots in Norway and Poland using credit cards and debit cards at contactless terminals. Cardholders and merchants are giving feedback on convenience, speed and security.Executive Chairman, Zwipe, Norway

DAY 3










24

Case study:PayUNew market opportunities in view of recent interchange rates changes in selected European marketsLevel of interchange fees was one of the factors that influenced the structure of online payments in European markets. In some countries it was high interchange fees that supported development of alternative to cards payments methods. During this presentation we will discuss possibilities to influence the users payment habits towards cards based on a case study from the Polish market.Financial Services Director, PayU, Poland

Panel discussion:Partnership in electronic merchant payments Acquirer, issuer, PSP will provide their perspectives on identifying future-proofpartners for transaction processing, distribution, marketing and VAS offering to provide rich merchant services. How banks will cooperate with monoline providers?• Identifying relevant partners for the distribution of

payments processing• How traditional payment providers position themselves in

the MPE?CEO, PagBrasil, SpainFinancial Services Director, PayU, PolandUK & European Business Development Manager, Allied Wallet, UKE-commerce VP, Garanti Bank, TurkeyCOO, ConCardis, GermanySVP Acquiring /Business Sector, ICC-Cal, IsraelCOO, Secure Trading, Austria

Presentation:BitCoin in 2016Success of bitcoin can be measure by the 100.000 merchants who have accepted this virtual currency since 2014. How will bitcoin acceptance look like in 2016 and what is the stats of regulation?Senior Sales Engineer, BitPay, The Netherlands

Panel discussion:• Understanding bitcoin’s impact on card acquiring

- If card acquiring transactions will turn into Bitcoin transactions, what does it mean for business models of acquirers?

• What are the opportunities and challenges for financial institutions in virtual currencies?

Co-Founder, Elliptic, United KingdomManaging Director-Europe, Circle Internet FinancialIrelandVP Solutions Strategy, Bitnet Technologies, United KingdomSenior Sales Engineer, BitPay, The Netherlands

Co-presentation:Merchant in payment: we need a copernican revolutionThe payment industry have always told the merchants what was available for them to implement. It is time for the merchants to sit in the driving seat and to tell the industry what they need and what they are expecting. Case study of Q-Park on delivering a solution that best suits the industry needs.Founder & Consultant, Schwartzyla, BelgiumDirector PMS, Q-Park, Germany











25DAY 3

11:20-13:15

Session 2: E-commerce world challengesCase study:The complexity of simplifying buyingThe beauty of simplicity in many cases requires a lot of work behind it. At Klarna around 400 people at engineering and risk make sure the user experience is adapted to every country in an optimum way. Simplicity is the key, but what is the secret sauce? Gerrit Seidel will talk about expansion, country specific differences and gives an idea of how risk management is handled within Klarna.Senior Vice President DACH, Klarna, Germany

Presentation:The War of Payments: The Unlikeable vs. Likeable That is the World challenge, where is the Merchant and on which side is the Customer. Which ones are the best, when we come to select our weapons?E-commerce VP, Garanti Bank, Turkey

11:20-13:15

Session 2: mPOS different perspectivesPresentation:mPOS market trends and challenges in 2015Major trend, issues and challenges impacting business models of mPOS providers in 2015Principal Consultant, Consult HyperionUnited KIngdom

11:20-12:20

Session 2: Proximity payments case studiesCase study:NFC and proximity payments in PolandProxy of the management boardThe Foundation for Advanced Computer Studies (FACS), Poland

Case study:TIM Wallet. Telecom Italia Virtual WalletTIM Wallet, the Telecom Italia virtual wallet, using the potential of NFC (Near Field Communication) technology, allows payments to be made in proximity by simply holding your smartphone near an enabled reader (NFC POS). Today our customers can use TIM SmartPAY, the TIM prepaid credit card by Visa and Intesa Sanpaolo, several other credit cards, coupons, transport tickets, EXPO 2015 tickets. Coming soon: loyalty cards and much more!Senior TLC Researcher - Strategy & Innovation, Telecom Italia, Italy










26

Case study:Badoo’s Payments Optimizer: Increasing Card Authorisation rates through Intelligent Routing An overview of Badoo’s in-house routing platform built to manage the routing of card payments through multiple PSP-Acquirer-MCC combinations. The presentation will discuss what Badoo has learnt and how it is being used to optimise the routing logic and increase authorisation rates.Payments and Fraud Manager, Badoo, United Kingdom

Presentation:E-commerce Payment landscape in the CEE.An overview and comparison of the leading payment methods in the CEE. This presentation looks at the markets share of the dominant payment methods in the region and attempts to predict their future trends.Executive Director, Trustpay, Slovakia

Case study:ConCardis – incumbent goes mobileConCardis is the incumbent payment acquirer in the DACH region and is making the transformation into a full-service payment provider. ConCardis joined the mPOS battleground in 2014 with their new ConCardis OptiPay mPOS solution. As a strategic move, ConCardis recently became a strategic shareholder in orderbird, the leading German iPad POS system provider – ConCardis sees the mPOS ecosystem as a key area for future payment innovation and therefore as a key element in its strategic efforts.COO, ConCardis, Germany

Case study:PagPop: mPOS in the Base of PyramidAn overview of the mPOS market in Brazil: opportunities, business, pricing and distribution models; security and adoption rate.CEO, PagPop, Brazil

Presentation:Small Country – Big Opportunity: The micro merchant revolution in the Israeli market.Markets with less developed payment infrastructuresprovide compelling opportunity for growth. Low-cost,readily available mobile phones have the potential tovastly open the market for mPOS payments. Can mPOS platforms succeed in emerging markets?SVP Acquiring /Business Sector, ICC-Cal, Israel

Panel discussion• What will be the key factor driving contactless and

proximity payments growth?• Are technologies such as location-based, cloud-

based solutions, QR Code, etc. complementary or competitive?

• What type of additional aspects and benefits can spur consumer and merchant adoption?

• Will wearable payment solutions prove enough to offer seamless customer experience?

• How could fingerprint authentication enable adoption of proximity/contactless payments?

Executive Chairman, Zwipe, NorwayManaging Director, Digital Consumer Payments, Barclaycard, United KingdomFounder & Consultant, Schwartzyla, BelgiumDirector PMS, Q-Park, GermanySenior Executive, Barraclough & Co, United KingdomSenior TLC Researcher - Strategy & Innovation, Telecom Italia, ItalyProxy of the management boardThe Foundation for Advanced Computer Studies (FACS), Poland










27

Presentation:The Future of Payments: Innovations at the mPOSMobile payment is the first step for merchants to change the capabilities of the stationary point-of-sale to an innovative point-of-service. Point of Sale reality in Europe: outdated hardware and POS technology, payments not integrated in POS systems. Success factor for innovations at the mPOS: seamless integration of services and clear focus on consumer benefits.The benefit to switch needs to be big enough for retailers, and also interesting enough to get consumers to use it.Co-Founder and CSO, orderbird, Germany

Presentation: The mPOS ecosystem: A cloudy propositionSpire Payments is recognised as one of the market leading chip and PIN mPOS providers. Nigel Dean, Marketing Director, will share the many lessons learnt by Spire Payments developing an entire range of mPOS devices while working with partners to deploy over 20 global mPOS estates. To complement this practical perspective Nigel will also share Spire Payments’ vision of what the future holds for mPOS.Marketing Director, Spire Payments, United Kingdom

Panel discussion:• How to effectively address the mPOS profitability challenges in 2015 and

beyond?• Will the differentiation through VAS and strategic partnerships be the key to

profitable and sustainable mPOS business?• What are merchant’s key considerations before switching to a tablet-based

POS?• What are the key security and risk management mPOS issues and how can

they best be managed?• Assessing potential of fee-based services - remote ordering, interactive

receipts and non-fee based servicesSVP Acquiring /Business Sector, ICC-Cal, IsraelCEO, PagPop, BrazilCo-Founder and CSO, orderbird, GermanyCOO, ConCardis, GermanyMarketing Director, Spire Payments, United KingdomPrincipal Consultant, Consult Hyperion, United KIngdom

Presentation:Marketplaces: the second coming of ecommerceWhy online marketplaces shape the future of commerce. Why and how they are being regulated. Why PSPs and acquirers should adapt their offerProduct Manager - Acquiring, Monext, France

Panel discussion:• Impact of Visa’s V.me & MasterCard

MasterPass on channel disruption• Data ownership - Can payment

providers share multi-channel payment data?

• Cross-border e-commerce and local acquiring challenges, where to consider local acquiring?

• Challenges changing VAS - Taxation for merchants and PSPs

Payments and Fraud Manager, Badoo, United KingdomE-commerce VP, Garanti Bank, TurkeyExecutive Director, Trustpay, SlovakiaHead of Business Development EU, Rakuten, GermanyCMO, Fruugo, United KingdomSenior Vice President DACH, Klarna, Germany

12:20-13:05

Session 3: Mobile and alternative payments

Presentation:The evolution of carrier billingAnalysis Mason has predicted that DCB will drive revenues of $12 billion by 2022, and Juniper predicts more than $7 billion in Europe alone by 2017. IS DCB a real opportunity?What success will it have in travel and other industry segments?SVP Sales, Boku, Germany

Case study:App stores leading the digital economy: Amazon case studyDCB for apps or charging app purchase directly to your bill: a unique partnership of app provider, MNO and DCB providerCEO, Bango, United Kingdom

Panel discussion:• Direct carrier billing for app stores: a new

revenue opportunity for MNOs?• Can DCB increase conversion rate at mobile?• What should you consider before deciding for

DCB?• DCB for M-Ticketing: a unique opportunity?• To which new areas can the technology

further expand?CEO, Bango, United KingdomSVP Sales, Boku, Germany

LUNCH 13:15-14:15










28

11

Panel discussion:Future of merchant payment experience • Which innovative technology is best positioned to support the

customer engagement?• Who will take control over the merchant payments experience?• The opportunities that innovation in payments presents are too

significant to ignore. But what really changed the future of payment experience last year and what will have the greatest impact on it in 2015?

• How will the payment experience of consumers and merchants look like in 2020?

• What is the key to “ultimate” customer payment experience?• How can card schemes enhance merchant payment experience?Senior Vice President DACH, Klarna, GermanyHead of Innovation, Zapp, United KingdomExecutive Vice President Sales Telecommunications, Wirecard, GermanyGroup Head - Senior Vice President, Acceptance Development, International Markets, MasterCard, United KingdomGlobal PaaS, VeriFone, Sweden

The Innovation Corner startups debate on how innovations disrupt the payment ecosystem. What is the ROI of new payment technologies?

Panelists:Founder & Chief Marketing Officer, PayCash, LuxembourgFounder, Sign2Pay, BelgiumCEO, milliPay Systems, SwitzerlandPresident, Tiller, FranceVice President Sales, MeaWallet, Norway

INNOVATORS ROUNDTABLE CONFERENCE OUTCOME

14:15-14:45 14:45-15:15

DAY 3

Closing remarks from the Chair

Moderator: CEO, Abrantix, Switzerland

Moderator: Independent Payment Consultant, JD Consulting, Poland

15:15-15:30










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Merchant Payments Academy

One stop source of education, training & networking for merchants from different segments. Merchant Payments Academy, in bundle with the MPE conference, provides a unique value to merchants by combining the latest industry insights, data and best practices that will help them with effective payment management.

When: February 17 as a concurrent stream to Day 1 of the MPE conference Topics: A-Z of payments: in-store, mobile, e-commerce payment challenges; central ac-quiring solutions, channel payment solutions, regulation, security and fraud

Format: The Merchant Payments Academy will run in form of longer, explanatory-style presentation, followed by Q&As and discussions

Reward: All participants joining the Merchant Payments Academy would receive an accredited certificate

MPE TV

Represents a new communication channel from the conference, showcasing recorded videos of the latest innovations & technologies demoed live by our exhibitors at MPE. Featuring interviews with Guiding Hands Awards winners, live demoing, panel discussions and Q&As from exhibitors. Shared right after the conference with the MPE community.

MPE Innovation CornerThis is a unique concept that brings innovative “game-changing” start-up companies to the attention of most senior decision-makers in the European Merchant Payment Ecosystem. Selection of most impressive start-ups’ innovations on topics from the agenda. When: Day 1 afternoon Where: Main conference room Format: Speed pitch competition of 5 hot start-ups. Each company gets a limited time to demo live. Winner will be selected onsite by the MPE 2015 audience and receive the prestigious MPE Award:PAYMENT INNOVATOR START-UP

WHAT IS NEW IN 2015?

MPE Program features

MPE App

We have been thinking a lot how to combine all the necessary features for you in just one simple solution. It is our pleasure, to introduce you our MPE App, the application crafted especially for this conference. The MPE App can be used on both iOS and Android smartphones. It is a native application so it works seamlessly and notifies you about everything important even if your phone is locked.

By using MPE App you can:

• Send Private In-App Messages• Scroll Through The Daily Agenda• Create Your Own Schedule & Meetings• Connect With Other Delegates• Submit Questions And Join Polls

During On-Stage Discussion• Give Feedback On Presentations• Vote For Innovation Corner’s Winner• Easily Find The Way Around Our

Conference Hall conference with the MPE community.










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click to join

Pre-conference & on-spot networking

Interactions at MPE 2015

Interaction beyond the eventJoin MPE LinkedIn community counting 6.300+ members.

Evening networking As informal networking is equally important, MPE 2015 will offer two exclusive receptions. Both the networking dinner on Day 1 and the MPE Awards Gala Dinner on Day 2 offer a valuable experience for informal get together with your community peers.

Exhibition networking

Rich exhibition - NEW in 2015! the extended exhibition area will include both the top set-up vendors as well as live demon-strations of existing products and the best innovations. Newly added Exhibitor’s corner stage – will be a place for exhibitors to let their brands shine and proactively interact with the audience.

To best capitalize the time out of office, an online pre-conference meeting planner as well as improved MPE mobile app will be offered to each participant and will be available already prior to the conference. MPE app will enable to write messages to timeline or send private message to other conference participants, shoot photos and post them to timeline, set profile and broadcast personal objective, vote and post comments during moderated panel discussions, receive real-time agenda updates and gain overview of speakers, exhibitors, delegates and sponsors. The app will also provide all participants the chance to locate their desired peers to better utilize their networking time.

Q&A Questions from the audience related to the speaker and the presentation. If there is no time left for questions, delegates can “Meet the speaker” during a break following the session. When: After each presentation

Panel discussions panelists on stage will answer preselected questions from the agenda.

When: as indicated in the program

Audience polls with smartphones everywhere, there will be plenty of audience polling where participants can text in their responses for real-time interaction.

When: During the main program announced by the moderator

Rapid fire learningNEW in 2015 - in fast-paced sessions with multiple speakers presenting different perspectives on the same issues will keep you on your toes.

MPE Interactions








MERCHANT PAYMENTS ECOSYSTEM 2015

InterContinental hotel, BerlinFebruary 17 - 19,

See you in Berlin

http://www.merchantpaymentsecosystem.com

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