Proposal 128
International Card Solutions: Is a Global Program Really Achievable?

Historically, card solutions have tended to be country specific which presents a challenge to the multi-national corporation. What can you do today that you could not do two years ago? Presenters in this session illustrate how using a network solution to manage the patchwork quilt of country-by-country issues can help you overcome the obstacles to a global card program.

Proposal 174
Decoupled Debit: Threat or Opportunity

Customers can now link their checking accounts to debit cards issued by corporations and even retailers. Does "decoupled debit" threaten to disinter-mediate banks or does it represent a new opportunity to expand business beyond the confines of the branch footprint? There are many issues to consider with decoupled debit. Do you take an offensive or defensive posture? How do you manage risk? Do you opt for low interchange or high rewards? Should you utilize ACH or other payment networks? Is co-branding or direct marketing the best route to success? Presenters in this session examine the issues involved in implementing a decoupled debit program and provide real-life examples and usage data from three companies who are pioneering the concept.

Proposal 266
Leveraging Customer Preference with Predictive Modeling

With hundreds of millions of dollars on the line each year, card issuers are looking for better ways to reach the right customer with the right payment product offer, whether to acquire new customers, strengthen and expand their existing relationships or create greater efficiencies with their direct marketing campaigns. Speakers present data, insights and results from applying innovative predictive modeling tools to real-world market cases. Case studies draw consumer credit risk characteristics with consumers' preferences of all payment options. Speakers share unique and comprehensive insights into consumer behavior, attitudes, and preferences for payment products that are creating powerful propensity and scoring models. The presentation illustrates how card issuers are making more profitable decisions with survey-based attitudinal data in conjunction with credit-behavioral data. The creation of a new model and scoring system enables more efficient direct marketing that can target the right customer with the right payment product for retention, profitability and growth.

Proposal 278
PCI for Smaller Merchants: Gaining from Security Compliance

Since data security standards started a few years ago, card data compromises are on the rise and security requirement deadlines are moving closer. Criminals are now going after smaller merchants because there are so many more vulnerable systems to choose from and the breaches do not create as much media attention. As merchant card services become more of a commodity, PCI-compliance for smaller merchants is providing a valuable distinction in addition to reducing risk and costs. With case studies and stories, presenters show how PCI-compliance is good for business and good for consumer confidence in the entire payments system.

Proposal 331
State of Compliance & Outlook for Credit Card Data Security

Established in 2004, the Payment Card Industry (PCI) Data Security Standard (DSS) provides a global framework for securing credit card data through the entire information lifecycle. Driving compliance has not been easy and challenges remain. The credit card industry made significant strides in 2006 and 2007 by forming an independent body, the PCI Security Standards Council, which is chartered with maintaining and developing the PCI standard. This session provides an update on the PCI Data Security Standard, including the most recent initiatives undertaken by the Council and the credit card brands to drive adoption. An overview of common areas of non-compliance and effective self-assessments and PCI audits are examined.

Proposal 337
Including Procurement Cards in the A/P Process

In the continuing conversion of paper to electronic payments, the time has come for the convergence of purchasing cards and traditional electronic payments. New products offer the ability to integrate purchasing cards into existing file-based, straight-through payment processing, with minimal changes to existing systems and infrastructure. New offerings connect issuers, buyers and suppliers faster and more efficiently than ever before, allowing post-invoice vendor payments via purchasing cards with the same efficiency as the ACH. Presenters review the new technology, explain the rationale for developing features and functionalities, quantify the benefits to the company, and provide a road map to assess opportunities within your company.

Proposal 371
NFC at the Retail Location

Contactless technology has enabled consumers to make faster payments at the checkout area, particularly supporting those merchants with low-dollar transaction amounts. Yet adoption, as gauged by card issuance and merchant acceptance, is still in the nascent stages of development. Speakers in this session explore the potential for contactless payments in the retail environment. Technology underpinnings including RFID and the two-way communications offered by near field communication (NFC), and evaluation of what types of transactions are best enabled by each are examined. Attendees learn about the advantages of this technology in supporting faster payments, the factors that influence the business case assessment, and the barriers to widespread adoption at the merchant POS.

Proposal 372
Are You In or Out of the Loop?

Prepaid cards come in two flavors: closed loop or open loop. In closed loop or single-purpose schemes, the card can be used only at the store or store chain where the card was acquired. In open loop schemes, cards can be used in multiple locations by virtue of the general purpose payment brand that the cards bear (e.g. Visa, MasterCard.) Each one of these types of schemes has benefits and drawbacks including interchange revenue, brand recognition and consumer utility. Learn about industry best practices for education, marketing operations and controls for prepaid card, including policy observations and market experiences. Benefits and drawbacks outlining model preference are also examined.

Proposal 373
Card Funded Payments in the Bill Pay World

While credit cards are a common payment option at biller direct sites, the vast majority of bill payment transactions powered through online banking sites today are funded through demand deposit accounts (DDA). During this session, the speaker explores the opportunities and challenges associated with credit and debit card payments as an alternative to DDA funding. The speaker also addresses the business case offered by card acceptance and the success factors required to ensure consumer adoption. Several prevailing models for supporting card payments, and the various initiatives the card associations have underway to support card funded payments within the financial institution bill pay world are also discussed.

Proposal 376
Leveraging Cards for Greater Loyalty

All prepaid card issuers are vying for a larger share of wallet among the growing number of prepaid cardholders. Closed loop prepaid cards have an inherent advantage in creating significant brand awareness and loyalty to a particular retailer. In contrast, open loop cards have more widespread acceptance, but not the same customer loyalty to any specific retailer. To spur adoption in this rapidly growing environment, open loop issuers are developing new features and functionality including loyalty, rebates, and card promotions in concert with their retailer partners. Speakers in this session discuss some of the innovative, card-based loyalty and rewards programs being implemented by issuers and their channel partners to increase customer retention and brand awareness.

Proposal 427
Managing ATM Skimming & Compromised Cards

Data breaches have a significant impact on financial institutions. Combined with ATM compromises, these events allow criminals to access large numbers of cards at once. There are operational best practices that can help protect your institution from the impact of these criminals. In this session, you learn about the tactics and trends criminal organizations use and best practices for how you can protect your customers and your bottom line.

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