This unique conference will address the issues that matter, attend to discover the potential and realities of the card markets in the Scandinavian and Baltic regions. Understanding future developments is the key to business success, it is never more important than today to keep up with the technological developments in order to stay ahead of ones competitors.

As a senior industry executive, you will be aware of the importance and potential of this field. We would therefore like to invite you to register for Opportunities in the Scandinavian & Baltic Card Markets. As you will see from the brochure, many case studies have been incorporated to allow real and practical advice to be given and experiences learned from.

Conference programme

8:30 Registration & Coffee

9:00 Chairman's Opening Remarks

Richard Rolfe

Richard Rolfe, Editor, European Card Review


Roger Swales

Roger Swales, General Manager International, PSI Global

  • Major challenges and limitations for card issuers within the Scandinavian and Baltic card markets
  • Assessing the growth opportunities in the Scandinavian and Baltic card markets within an ever increasingly competitive environment
  • Innovative strategies for the cards market in the Nordic Region
  • An assessment of future trends in the Market
  • The effects of diverse delivery channels on the Scandinavian cards market
  • What will be the future shape of the market : opportunities and threats

    North Pyper

    North Pyper, Senior Manager, New Products Relationship Manager, Northern Visa International EU Region

  • Overview of card situation today
  • Chip cards - interoperability, multi-application, open platform, CEPS
  • New delivery channels- PCs, mobile telephones, set top boxes, business to business e-commerce
  • 10:20 CASE STUDY- IER’s Example

    Jean Salomon

    Jean Salomon, Senior Vice President, IER

  • Travel Distribution and Ticketless Travel: from entitlement to booking and boarding - a card related paradigm shift
  • Hardware infrastructure: what is the right deck of cards?
  • Yet another challenge: blending widely distributed card-held intelligence into host-centric Legacy systems
  • Key Success factors for a rising use in Northern Europe: segmentation and alliances vs. branding and cocooning
  • Future expansion: ‘Honey, I shrank the ATM!’
  • 11:20 SMART CARDS

    Jerome Ajdenbaum

    Jerome Ajdenbaum, Bank Cards Product Manager, Bull Information Systems

  • What are the important technological drivers
  • How do they fit with the needs of the business
  • Current experiences and perceptions
  • CC Cash Cards, the solution for international inskado/internal secured payments
  • Some suggestions of future trends

    Stephen Burnside

    Stephen Burnside, Sales & Marketing Director, Experian

  • Data availability in new and emerging markets
  • Data value in both new and mature markets
  • Recruiting profitable customers
  • Maximising the customer relationship
  • Minimising risk and providing relevant propositions
  • 12:40 Lunch


    Katarina Romell, Financial Manager, Telia ProSoft

    Katarina Romell, Financial Manager, Telia ProSoft, , Carlos Rodriguez, Senior Vice President, First Card, Norbanken Finans

  • Telia achieves 80% cost savings in the invoice process with First Card Purchasing Card
  • Largest full scale implementation of purchasing card in the Nordic region
  • Successful model to manage Business Process change and implementation
  • Intelligent scanning technology and Internet as concept enablers
  • First card MasterCard to ensure broader acceptance

    Stefan Kihlgren

    Stefan Kihlgren, Client Business Director, Unisys

  • An investigation of how co-branding, loyalty and affinity cards are the way forward to achieve strong brand images
  • The power of card data in allowing the business to profit from loyalty
  • Expansion into many new card fields can be successfully achieved via co-branding strategies
  • Add customer value and gain loyalty via the application of your card strategies
  • The role of loyalty in the development of the global smart card payment card market
  • The importance of brands in the Scandinavian and Baltic card markets to attain competitive advantage
  • 15:00 CASE STUDY

    Ervins Ozolins

    Ervins Ozolins, Manager of Card Services, Unibanka

  • An investigation into the second co-branded card to be offered in Eastern Europe
  • Card to be offered to combine the bonus program with your bank card
  • The opportunities to the bank of the significant value added from the overall impact of the scheme
  • The possibilities of cross selling opportunities for both parties involved
  • The increased national coverage and networking opportunities that are created
  • 15:40 Afternoon Tea

    16:00 Multi-currency trends in European card processing

    Orla Branigan

    Orla Branigan, Senior Vice President Marketing, Flexicom

  • The drivers for multi currency card acquiring globally
  • Winners and losers in the battle for share of the European merchant marketplace
  • A brief examination of the practical obstacles and barriers that need to be overcome to introduce true multi currency processing

    Brian Caulfield

    Brian Caulfield, Managing Director, Peregrine Systems

  • An analysis of the complicated process of chargeback processing
  • The internet challenge to the card not present model
  • Internet chargebacks and card scheme profitability
  • Future options for payment processing
  • 17:00 Chairman’s Closing Remarks and Close of Day One

    17:10 Informal Networking Drinks Reception for Speakers and Delegates

    8:30 Re-registration & Coffee

    9:10 CASE STUDY

    Petter N Johansen

    Petter N Johansen, Managing Director, Sparebankkort

  • Explanation of why debit cards are more popular than credit cards
  • An analysis of benefits and drawbacks of each type of card
  • The advent of new products and their impact on credit and debit cards
  • Where does the future lie?
  • 9:10 Chairman's Opening Remarks

    Espen Tranoy

    Espen Tranoy, Managing Director, CartaGo Consulting


    Sven Estwall

    Sven Estwall, Regional Manager, Northern Europe, Europay

  • Mergers and acquisitions to expand your retail outlets and customer base within the Scandinavian and Baltic regions
  • The Northern Europe and Baltic region as a test market for new card technology
  • New products in a mutual market
  • Usage of cards as a challenge for Scandinavian & Baltic Card Markets
  • Topical strategic issues and change within the card markets
  • 10:20 CASE STUDY

    Owain Powell-Jones

    Owain Powell-Jones, Divisional Manager, Mondex International

  • What are the differences between electronic cash and electronic purse
  • How do electronic cash and electronic purse fit into a portfolio of payment products
  • What unique advantages does electronic cash offer and how can it best be implemented
  • How multi application cards will become a new electronic infrastructure
  • Analysis of the products and services which will be enabled by electronic cash on a multi application card
  • The use of smart cards for electronic commerce in the financial arena
  • 11:00 Morning Coffee


    Matti Rainio

    Matti Rainio, Head of Planning, Tampere City Transport

  • An overview of the arena of transport ticketing as one of the fastest growth areas for smart card technology
  • Implementation issues when applying smart cards in public transport networks
  • The possibilities for national roll out for smart card technologies within transportation systems
  • The opportunities of loading other related services onto your transport card
  • An investigation into the possibilities of new travel information systems using smart card technology
  • Use your smart card technology to predict future needs and expectations to enhance your market share

    Joachim Hoffman

    Joachim Hoffman, Director-Mobile Commerce Business, Motorola

  • The benefits of integrating mobile phone networks to support debit and credit purchases
  • Enhance your payment protection options via the use of credit or debit chip
  • Test your card pilot project to ensure a thoroughly successful launch within the Scandinavian and Baltic card market
  • The benefits to consumers and to providers of payments cards whilst operating through mobile phones
  • The future possibilities for both parties concerned in terms of customer loyalty and profitability
  • 12:40 Lunch


    Johan Reinsli

    Johan Reinsli, Executive Vice President, DnB Korz

  • The change of the product environment
  • The growth of new distribution channels
  • Exploiting the power of chip cards
  • Developing a brand for the future
  • 14:20 CASE STUDY

    Jyri Marviala

    Jyri Marviala, Head of Marketing, Automatia (Finland)

  • The success and problems encountered with the launch of the electronic purse in Finland
  • Finland - the ideal ground for a national electronic purse?
  • Identifying and targeting merchants who are ready to accept electronic purse payments
  • Developing multi-application banking cards
  • Meeting the requirements of consumers and service providers with multi-functional needs
  • EMV, CEPS and migration to international schemes

    Peter Van Nauw

    Peter Van Nauw, Product Manager, Proton World

  • Smart cards offer many advantages over credit cards for internet payments
  • They are already well intergrated with the new modes of internet access set to challenge dominance of PC’s such as mobile phones and digital television
  • Some relevant case studies and examples
  • Recent technological developments
  • Emerging international standards for smart cards
  • 15:40 Afternoon Tea

    16:00 CASE STUDY

    Caj Holm

    Caj Holm, Project Manager, Traficon

  • New applications and solutions for smart cards
  • Multiple Applications and services on one card
  • What we have learnt so far-Finnish experiences
  • User acceptance
  • The Distinct approach-more than a city card
  • Future challenges

    Markus Pyhalto

    Markus Pyhalto, Area Business Manager, Sonera Corporation

  • Mobile phones more than just a communication device
  • How to build security in mobile commerce
  • Mobile applications as a channel of opportunity
  • 17:00 Chairman's Closing Remarks and Close of Conference



    Segmenting Cardholders and companies in the Nordic and Baltics

    Segmenting Cardholders and companies in the Nordic and Baltics

    Provobis Sergel Plaza Hotel
    26th January 2000
    Stockholm, Sweden

    Provobis Sergel Plaza Hotel


    Provobis Sergel Plaza Hotel



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    CPD stands for Continuing Professional Development’. It is essentially a philosophy, which maintains that in order to be effective, learning should be organised and structured. The most common definition is:

    ‘A commitment to structured skills and knowledge enhancement for Personal or Professional competence’

    CPD is a common requirement of individual membership with professional bodies and Institutes. Increasingly, employers also expect their staff to undertake regular CPD activities.

    Undertaken over a period of time, CPD ensures that educational qualifications do not become obsolete, and allows for best practice and professional standards to be upheld.

    CPD can be undertaken through a variety of learning activities including instructor led training courses, seminars and conferences, e:learning modules or structured reading.


    There are approximately 470 institutes in the UK across all industry sectors, with a collective membership of circa 4 million professionals, and they all expect their members to undertake CPD.

    For some institutes undertaking CPD is mandatory e.g. accountancy and law, and linked to a licence to practice, for others it’s obligatory. By ensuring that their members undertake CPD, the professional bodies seek to ensure that professional standards, legislative awareness and ethical practices are maintained.

    CPD Schemes often run over the period of a year and the institutes generally provide online tools for their members to record and reflect on their CPD activities.


    Professional bodies and Institutes CPD schemes are either structured as ‘Input’ or ‘Output’ based.

    ‘Input’ based schemes list a precise number of CPD hours that individuals must achieve within a given time period. These schemes can also use different ‘currencies’ such as points, merits, units or credits, where an individual must accumulate the number required. These currencies are usually based on time i.e. 1 CPD point = 1 hour of learning.

    ‘Output’ based schemes are learner centred. They require individuals to set learning goals that align to professional competencies, or personal development objectives. These schemes also list different ways to achieve the learning goals e.g. training courses, seminars or e:learning, which enables an individual to complete their CPD through their preferred mode of learning.

    The majority of Input and Output based schemes actively encourage individuals to seek appropriate CPD activities independently.

    As a formal provider of CPD certified activities, SAE Media Group can provide an indication of the learning benefit gained and the typical completion. However, it is ultimately the responsibility of the delegate to evaluate their learning, and record it correctly in line with their professional body’s or employers requirements.


    Increasingly, international and emerging markets are ‘professionalising’ their workforces and looking to the UK to benchmark educational standards. The undertaking of CPD is now increasingly expected of any individual employed within today’s global marketplace.

    CPD Certificates

    We can provide a certificate for all our accredited events. To request a CPD certificate for a conference , workshop, master classes you have attended please email events@saemediagroup.com

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