First Annapolis




British Retail Consortium

French Banking Federation


European Card Review

Card World

Plus Journal

e-finance payments law & policy

Journal of Payments Strategy & Systems

Nilson Report

Retail Banking Research

Fraud Watch Online

Financial Job Network

Report Buyer

Smart Insights

Day One   
Thursday 5 June 2008

   8.30  Registration
   9.00  Opening remarks from the Chair

9.10  Session 1:
SEPA (SCF) impact on the Card Acquiring Value Chain


The future organisation of card business in SEPA: Getting to SEPA Compliance while catching the new opportunities for new business development

  • New rules impacting the acquiring business: PSD, SCF, etc.
  • New standards for card acceptance and acquiring
  • New sectors of business development on the acquiring side
  • Innovations in the acquiring business

Cédric Sarazin, Director, Development & Strategy Groupement des Cartes Bancaires

EAPS – creating a pan-European alternative

  • SEPA for cards - Why an alliance is necessary
  • The Euro Alliance - Status and business model
  • From an alliance to a third scheme - convergence in the European market

Oliver Hommel, EAPS

Scheme independent specifications for payment terminals

  • SEPA opens the borders for acquirers
  • To take advantage of these opportunities, infrastructures should be streamlined
  • Acquirers require Scheme Independent and properly serviced terminal specifications
  • These specifications will be aligned with the EPC's SCF minimum requirements

Francis Ceuterick, Managing Director, EPCI

   09.55  Panel Discussion
   10.25  Morning Coffee and Networking

10.50  Session 2:
The Future of ICHF and MSCHF


The impact of regulatory intervention on MSC's and merchant pricing models

  • Trends in regulatory intervention
  • Impact on acquirer comercial and pricing structures
  • Analysis of new models for the future

Peter Jones, Managing Director, PSE Consulting, UK

What is the future for POS interchange fees?

  • The US$64 billion controversy
  • What have competition and other public authorities done recently?
  • Interchange rate/fee trends and comparisons
  • What will the future bring?

Rob Walker, Payment Systems Expert, Retail Banking Research

Acquiring costs for retail: a fairer future?

  • Competition and merchant service charge
  • The importance of SEPA
  • Potential benefits of SEPA

Xavier Durieu, Secretary General, EuroCommerce

   11.35  Panel Discussion
   12.05  Lunch

13.35  Session 3:
The need for centralized card payments for pan-European Merchants

International merchants have to cope with fragmented contracts troughout Europe. SEPA will be one of the main catalysts of centralizing this state. This centralization should reduce the merchant fee and cause an unbundling and transparency of acquisition services. This session will provide an update on lates progress of European Banks and Merchants.


Developing a differentiating cross-border acquiring platform by knocking down barriers to entry

  • Current payment EFT POS terminal infrastructure is inflexible and expensive to modify, deploy and maintain
  • The dream: An open and content-based EFT POS terminal infrastructure allowing:
    • 10x development and operating costs reduction
    • Portability across platforms and terminals vendors independence
    • Lower barrier to entry and access to unlimited additional Value Added Services through POS terminals
    • Case study: Australia and Austria

Pascal Chenais, SVP, GM Europe, Middle East and Africa, TAFMO

Case Study: Central Acquisition at Avis Europe

  • Background information about Avis Europe
  • Background information about Barclaycard Business and their international acquiring credentials
  • Background to the central acquisition of Avis Europe’s European Visa and MasterCard transactions – volume, countries, rentals, prepayments
  • The benefits derived by Avis Europe from central acquisition
  • The issues arising from central acquisition
  • Conclusion – Avis and wider picture

Nicola Rickard, Director of Customer Payment, Avis Europe
Steve Robson, Head of International Acquiring, Barclaycard Business

   14.20  Panel Discussion

14.50  Session 4:
Experience matters - The Turkish Acquiring Market


A different interpretation of Acquiring and Merchant Relationship! Impact of an innovative loyalty program on success.

  • How could the Turkish Credit Card market increase its position to the top levels of Europe in the last 5 years?
  • Impact of Installment and loyalty points on sales
  • Effective campaigns bringing sales to retailers and purchase volume to credit cards
  • Innovate on acquiring infrastructure to differentiate!

Hakan Kaplan, Head of Marketing, Yapi Kredi Bank

   15.05  Q&A

15.15  Session 5:
Experience matters - The U.S. Acquiring Market

Characteristics of the U.S. acquiring market and the parallels and differences that exist relative to Europe. This session will also provide insights on how Europe could evolve along similar lines as the U.S. market and what this means for banks and others in acquiring today


What the Evolution of the U.S. Acquiring Market Might Tell Us about Europe

  • Exit of banks from the acquiring market
  • Valuation of acquiring businesses
  • Keys to success for those considering either buying or selling an acquiring business
  • Trends in product development and market regulation

Marc Abbey, Managing Partner, First Annapolis Consulting
Joel Van Arsdale, Senior Manager, First Annapolis Consulting

   15.45  Q&A
   16.00  Afternoon Coffee and Networking

16.30  Session 6:
Strategic Round Table Discussion

Key issues to be discussed:

I. Round: SEPA
  • Will banks be able to meet aggressive SEPA deadlines? Is SEPA losing its momentum? How will SEPA rules be further defined?
II. Round: Non banks
  • How will the entry of non-bank Payment Institutions affect the acquiring business?
  • Will a significant number of Payment Institutions take advantage of the Payment Services Directive to start providing payment services?
III.Round: Schemes ownership and processing
  • Do you see an impact resulting from the ownership and corporate governance changes of the international card schemes?
  • Do you believe card schemes will be forced to divest their processing activities? What would be the impact of such requirement?
  • What is the card processing landscape going to look like in about 5 years from now?


   18.10  Close of Day One
   19.00  Conference Dinner