Table of contents

• The Single Euro Payments Area: Can innovation be mandated?
  Norbert Bielefeld, Deputy Director, Payment Systems, European Savings Banks Group — World Savings Banks Institute
• The development of a regional payment system in Central America: A step towards further integration and economic development
  Gregor Heinrich, Chief Representative, Americas, Bank for International Settlements and Enrique Dubon, Economic Adviser, Payment Systems, Central American Monetary Council
• Why is cash usage persisting? Critical success factors for overcoming stakeholders’ interests
  Michael Salmony, Executive Adviser to the Board, Equens
• The increasing adoption of mobile payments in Europe – and remaining challenges to growth
  Jonathan Bye, Senior Consultant and Carlo de Meijer, Senior Researcher, Market Infrastructures, Global Transaction Services, RBS
• Innovative solutions to leverage resources and maximise efficiency in the battle against cheque fraud
  Silvia Sarra, VP and Corporate Loss Prevention Systems Manager, Sovereign/Santander Bank
• Scaling mobile money
  Ignacio Mas, former Senior Advisor and Dan Radcliffe, Program Officer, Financial Services for the Poor Program, Bill & Melinda Gates Foundation
• The cash payments answer: Are we asking the right question?
  James Poteet, SVP, Product Strategy & Innovation and Fred Purches, VP, Global Solutions, Brink's

• Creating e-SEPA: Now or never
  Gottfried Leibbrandt, Head of Marketing, SWIFT and Chiel Liezenberg, Founding Partner, Innopay
• The Dodd-Frank Act: Its implications for change in the banking industry
  Ray Mulhern, SVP, CHIPS Product Management & Strategy, The Clearing House
• Card and mobile payment opportunities: A framework to consider potential winners and losers and a snapshot of the future payments landscape in Africa
  Graeme Holmes, Head, Consumer Cards, Nedbank Group
• Ensuring trust in electronic payment media: Why security is crucial for long-term efficiency gains
  Päivi Heikkinen, Head of Division and Timo Iivarinen, Economist, Oversight of Market Infrastructures, Financial Stability and Statistics Department, Bank of Finland
• Mobile money transfer payments: The next phase in the evolution of person-to-person payments
  Cynthia Merritt, Assistant Director, Retail Payments Risk Forum, Federal Reserve Bank of Atlanta
• Recent innovations in inter-bank e-payment systems in Mexico: The role of regulation
  José L. Negrín, Director, Diadelfa Ocampo, Director and Alejandro de los Santos, Director, Payment Systems, Banco de México
• Emerging electronic payments and their impact on working capital management in Indian companies
  Mahadevan Balakrishnan, Chief Operating Officer, National Payments Corporation of India

• The next chapter of EU payments harmonisation: SEPA gets real
  Ruth Wandhöfer, Director, Head of Regulatory & Market Strategy EMEA, Citi Global Transaction Services
• Banks' international liquidity management: What future role should market infrastructure play?
  Jeannette Capel, Senior Policy Officer, Payments Systems Policy Department, De Nederlandsche Bank
• Faster Payments: Managing consumer expectations
  Liz Oakes, Industry Relations Director, VocaLink
• E-invoicing: The catalyst for financial supply chain efficiencies
  Steve Keifer, VP, Industry and Product Marketing, GXS
• The Payments Hub Spectrum: A model for the design of payments hubs
  Gary Farrow, Triari Consulting
• Card schemes in Europe: Consolidation or proliferation?
  Ernst Verbeek, Managing Director, Trionis
• Challenges to achieving operational excellence in payments
  Bob Lyddon, Managing Director, IBOS Association
• Creating successful relationships between third-party senders and banks when developing an ACH origination strategy
  Kerry Sellen, VP, Electronic Payment Processing, TeleCheck Services & Joseph Belczyk, VP, ACH/EC Operations, PNC Bank

• Payments risk: The fourth pillar of risk
  Colin Klipin, Senior Advisor, Global Payments, IBM
• Who will be the winners and losers in the battle for mobile payments market share?
  Olivier Cognet, VP of Strategy, Product & Market Development, Nokia Mobile Financial Services
• E-invoicing in Europe: Now and the future
  Michael Salmony, Executive Adviser to the Board, Equens and Bo Harald, Head of Executive Advisors, Tieto
• How will cloud technologies change business practices in transaction banking?
  Jeanne Capachin, VP, Research, Financial Insights
• Three keys to M-PESA’s success: Branding, channel management and pricing
  Ignacio Mas, Deputy Director and Amolo Ng’weno, Deputy Director, Financial Services for the Poor Program, Bill & Melinda Gates Foundation
• Innovation strategies for managing payments business in Europe
  Rajesh Mehta, Head of Treasury and Trade Solutions, EMEA and Ebru Pakan, Head of Payment Products, EMEA, Citi
• The under-served biller market:  Identifying and serving the hidden market in c-to-b bill payments
  Patricia Hewitt Director, Debit Advisory Service, Mercator Advisory Group
• Towards the end of the SEPA end-date debate?
  Carlo de Meijer, Senior Researcher, Market Infrastructure, RBS

• Creating order out of chaos: Does the new market landscape created by the banking crisis strengthen the case for SEPA?
  Fred Bär, Director of Euro Services and Channels, VocaLink
• Understanding the key drivers of e-invoicing
  Philippe Caluwaerts, DG Internal Market and Services, European Commission
• Getting back to basics: The renewed appeal of global transaction services and how to capture its benefits
  Bertrand Lavayssière, Managing Director, Global Financial Services and Christophe Vergne, Leader, Payments Center of Excellence, Capgemini
• Liquidity saving in real-time gross settlement systems: An overview
  Ben Norman, Financial Resilience Division, Bank of England
• PC-based ACH origination: Dinosaur or niche appplication?
  Gregory Rettinger, AVP and ACH Product Manager, US Bank
• A new paradigm in payments: The strengths of networks
  Udo Milkau, Head of Strategy, Market Development and Controlling, DZ Bank
• The Single Euro Cash Area: Towards a cost-efficient European cash cycle
  Carlo de Meijer, Senior Researcher, Market Infrastructure, RBS
• Direct access to payment service providers by businesses and organisations in Europe
  Bob Larkham, Head of Payment Industry Relations, Albany Software

• Transparent price competition or two-sided subsidisation in card payments? Is there a need for a more efficient business model for the card industry?
  Harry Leinonen, Adviser to the Board, Bank of Finland
• The internal market for payments: Unfulfilled promise or key to a truly efficient European payments market?
  Marc Temmerman, EVP, SEPA, Visa Europe
• Investing in IT for your payments infrastructure: How to identify the areas that need it most and the options available
  Eric Campbell, CTO, Bottomline Technologies
• Overcoming barriers to reaching unbanked communities
  Sergio De Sousa, Payment System Analyst, Banking Supervision, Bank of Namibia
• Fraud dynamics in the card payments industry: A global review
  Toni Merschen, former Group Head, Chip, MasterCard
• Key technology drivers in payments and transaction banking
  Jonathan Williams, Director, Product Development and Strategy, Experian and Guy Moons, Senior Business Consultant, Clear2Pay
• Time for bold moves in transaction banking
  Andrés Bernad, Financial Services Division, Senior Manager, Accenture
• Does India need a cheque truncation system?
  Mahadevan Balakrishnan, SVP and Chief Technology Officer, Development Credit Bank

• You can’t get there from here: The role of the installed base in payment system adoption
  Gottfried Leibbrandt, Head of Marketing, SWIFT
• Strategic innovation in payments systems: What are the next big things?
  Renzo Vanetti, Chief Executive Officer, SIA-SSB
• Innovation drivers and barriers: Implications for innovators, imitators and regulators 
  Lance Blockley, Managing Director and Kathleen McDowell, Manager, Edgar, Dunn & Company
• The value of standardisation for public administration services: The Italian corporate banking experience 
  Liliana Fratini Passi, General Secretary, CBI Consortium
• Moving to e-payments: Best practices for US middle market companies Part II —Collections 
  Linda Coven, Head of Online Banking Solutions Channel Management, Silicon Valley Bank
• Payment Services Act: The new Japanese regulatory framework for payment services 
  Takeshi Mori, Deputy Head, Payment Policy Section, Payment and Settlement Systems Department, Bank of Japan and Yasufumi Takahashi, Director, Financial System Stabilization Division, Minister’s Secretariat, Ministry of Finance
• The deputisation of the US payments industry 
  David Teitelbaum, Partner and Gretchen Lamberg, Associate, Sidley Austin
• Public administrations and SEPA: A win–win situation 
  Carlo de Meijer, Senior Researcher for Market Infrastructures, RBS and Friso Spinhoven, Programme Manager, SEPA, Dutch Ministry of Finance 

• Defining payments systems of the future: Challenges and reality
  Bob Mackman, Head of Business Services (Wholesale) and Richard Sanders, Solutions Consultant, Wholesale Business Solutions, ACI Worldwide
• Money markets, monetary policy and payment systems: Policy issues for central banks in times of turbulence
  Joaquin Bernal, Chief Banking Operations Officer, Banco de la Republica, Colombia
• Integrating supply chain finance into your payments process
  Bob Dyckman, Director, Supply Chain Finance, Wachovia
• UK Faster Payments: Universal wave of the future or a distinctively UK payments model?
  Nick Senechal, Service Line Strategy Director, VocaLink
• Frontier policy issues in consumer payment behaviour
  Joanna Stavins, Senior Economist & Policy Advisor and Scott Schuh, Director & Economist, Consumer Payments Research Center, Federal Reserve Bank of Boston
• Electronic payments and remote deposits: Will banks move past products to solutions?
  Uma Wilson, VP, Treasury Product Management, UMB Bank
• Improving payment system efficiency in India: Next steps
  Mahadevan Balakrishnan, SVP and Chief Technology Officer, Development Credit Bank

• Business models in a consolidated and converging payments world
  Andreas Pratz, VP, AT Kearney
• The Payment Services Directive: A view from the UK regulator
  John Burns, Senior Associate, RPCR-Cross-Cutting Themes, Financial Services Authority
• New delivery channels for remittances, where the opportunities are and how technologies will change the market
  Leon Isaacs, CEO, Developing Markets Associates
• Making innovation work within retail banks to ensure successful payments products
  Philippe Deslauriers, Et pourquoi pas?
• Moving forward with B2B wire transfers: How banks can create value for corporate clients
  Hank Farrar, SVP, The Clearing House and Lauren Hargraves, SVP, Federal Reserve Bank of New York
• The current status of EU payments and competition policy
  Irmfried Schwimann, Head, DG Competition Financial Services Unit, European Commission
• Facilitating money movement globally using international ACH payments
  Eric Kamback, EVP and CEO, Treasury Services, Bank of New York Mellon and Dan Miner, Principal, Treasury Strategies
• Turn your luck around: Reversals on ACH payroll credits
  Kate Cole, VP, UMACHA
• A risk-based methodology for payment systems oversight
  Peter Brierley, Peter Gibbard, Andrew Mason, Andrew Meldrum and Ben Norman, Financial Resilience Division, Bank of England

Volume 3 Number 2 (March 2009)

• The Payment Services Directive: Where are the opportunities for new entrants in the European payments industry?
  Erik van winkel, Manager, Edgar, Dunn & Company
• Supply chain finance
  Enrico Camerinelli, Senior Analyst, Celent
• Payments strategy 2009: The importance of core deposits to the payments business
  Lee Manfred, Partner, First Annapolis Consulting
• When is a cheque not a cheque?
  Ronald D. Gorsline, Attorney and Justin B. Hosie, Attorney, Chambliss, Bahner & Stophel
• Best practices in product development: A case study of remote deposit capture
  Daniel J. McCarty, SVP and Managing Director, Treasury Management Service, Comerica Bank
• Moving towards 100% electronic cheque processing through ACH and image exchange: Exploring the legal issues
  Jeanette Hait Blanco, Assistant General Counsel, Bank of America and David W. Walker, President and CEO, ECCHO

Volume 3 Number 1 (December 2008)

• The convergence of bulk payment operations: How does it change your payments business?
  Michael Knorr, Managing Director, Global Capabilities Architecture & Information Services, Citigroup Global Transaction Services
• SEPA: Is Europe’s card business making the major changes that were widely predicted or is the whole initiative going flat?
  John Chaplin, European Payments Adviser, First Data
• Expedited payments: A fee service to compensate for the rising costs of online bill payments
  Jennifer Roth, Research Director, Global Payments, TowerGroup
• Challenges and opportunities for middle-market companies in successfully moving to e-payments
  Linda Coven, Head of Product Development, Silicon Valley Bank
• Intelligent networks for optimised e-payment processing
  Gidget Hall, Senior Business Leader and VP, Product Development and Management, MasterCard
• Where are the current and emerging opportunities in international payments?
  Ralph Dangelmaier, President, Americas and Debbie Smart, Senior Product Consultant, ACI Worldwide
• Mobile, internet and electronic payments under SEPA: The key to unlocking the full potential of the internal payments market
  Dage-Inge Flatraaker, Chairman, E & M Expert Group, European Payments Council, General Manager, DnB NOR
• The Illinois State ePay Program: How the programme was developed and its operational requirements in practice
  Josh Budd, Office of the Illinois State Treasurer, Director, Illinois Funds and Electronic Payment Services Division and Jami Hughes, Director of Sales, Official Payments
• Banking-based expedited payments, their benefits and how to exploit them
  David Munger, VP, Product Management, Online Resources

Volume 2 Number 4 (August 2008)

• Payments as a profit centre: How to avoid commoditisation by adding real value
  Martin Wilson, Chief Commercial Officer, VocaLink
  
• How can banks and corporates work together more effectively to generate value?
  Gianfranco Tabasso, Chief Executive Officer, FMS Group
• Beyond SEPA: Business implications of the Payments Services Directive
  Dermot Turing, Partner, Clifford Chance
• Delivering outstanding cash management in a consolidating payments market
  Mark Davies, SVP, Product Solutions Group, Wachovia
• The evolving payments landscape in the Middle East
  Faisal Ansari, General Manager, JPMorgan Chase Bank (Saudi Arabia)
• Assessing the impact of EMV migration
  Ian Povey, Managing Director, CardsConsult
• The impact of SEPA on domestic markets and the future for emerging pan-European infrastructures
  Manfred Schuck, General Manager, Marketing & Sales and Benjamin Syrbe, Advisor to the Board of Directors, Equens
• The Japanese FSA’s efforts to make their payment and settlement systems more attractive to foreign markets
  Takeshi Mori, Deputy Director and Yasufumi Takahashi, Director, Payment and Settlement System Enhancement Office, Financial Services Agency
• The Payment Services Directive: Why the European payments industry needs to prepare for significant implementation challenges
  Ruth Wandhöfer, VP & International Payments Market Manager, Citi Global Transaction Services
• The challenges for banks in addressing the needs of their corporate payment customers
  Sarah Jones, CEO, SCF Capital

Volume 2 Number 3 (April 2008)

• Developing your enterprise payments strategy
  Edward R. Woods, Senior Analyst, Celent
• Payments innovation: A comparison of banks and non-banks and how they can learn from each other
  Margaret Weichert, eCommerce/ATM Business Development and Planning Executive, Bank of America
• Reducing payment processing costs: Scale economies and SEPA
  David Humphrey, Professor of Finance, Florida State University and Wilco Bolt, De Nederlandsche Bank
• Global trends in retail payments
  Deborah Baxley, Partner and Gerard Hergenroeder, Payments Executive - Solution Sales, Financial Services Sector, IBM
• Rumours about the demise of American Banknotes are greatly exaggerated
  Carrie Jankowski, Business Economist and Dick Porter, Vice President and Senior Policy Advisor, Federal Reserve Bank of Chicago
• Micropayments: A survey of the payment instruments accepted by Western European newspaper sites
  Valérie-Anne Bleyen and Leo van Hove, Associate Professor of Economics, Free University of Brussels
• TARGET2: Its key features and opportunities for banks
  Alfons Vaes, Head of Cashless Payments Unit, National Bank of Belgium
• Pulling fraud transaction management processes into an effective, centralised system
  Robert Molloy, Associate Partner, IBM Global Business Services

Volume 2 Number 2 (January 2008)

• Understanding corporate clients: Why banks need to rethink their business models and approach to client relationship management
  Per Fremlin, Senior Partner, Joseph King, Senior Partner and PeterMathias, CEO, Matthias and Co
• Unlocking value from your balance sheet through working capital management
  Robert Smid, Director of Corporate Restructuring, Ernst & Young
• A strategic framework for managing operating and compliance risk in the payments business
  David C. Robertson, Partner and Paul LaRock, Principal, Treasury Strategies
• How to win in an area commonly perceived as a commodity business: Practical advice from one product manager’s experience
  Thomas H. Wiles, Senior Director and Global Head of eBusiness Development, American Express Bank
• Adopting mobile payment channels: Key challenges for US financial institutions
  Janet L. Kapostasy, Vice President, Global Financial Institution Services, CardinalCommerce
• Mobile payment challenges and opportunities in retail banking
  Sophie Tacchi, Citizen ID & Wireless Transactions Solutions Leader, IBM South West Europe
• Winning vendors over to e-payments
  Hubert Jolly, Managing Director, Citi Global Transactions Services
• How payment factories improve liquidity management through centralised control and visibility
  Hans Cobben, Chief Operations Officer, AvantGard Payments
• AML and counter-terrorist financing: How can the payments industry collaborate?
  Mike Tagai, Chief Manager, Planning, Transaction Services Division, The Bank of Tokyo-Mitsubishi UFJ
• How can the ACH network be simplified to compete with Check 21?
  William Peterson, Founder, Goldleaf Financial Solutions
• The regulation of payment cards in Australia – recent changes and their implications
  Steve Worthington, Professor, Monash University

Volume 2 Number 1 (October 2007)

• The impact of SEPA on revenue and cost savings: How small and large banks can both benefit
  Tom Buschman, Chairman and CEO, TWIST
• Enabling global payment capabilities for new channels: Case study
  Marcus Treacher, Head of e-Commerce, Global Transaction Banking, HSBC
• Towards integration of supply and finance chains
  Alec Nacamuli, Global Payments Executive, IBM
• The Italian CBI 2: New corporate banking services to optimise the financial value chain
  Liliana Fratini Passi, Secretary, Associazione CBI
• How will payments electronification and convergence change the payments business model? How do you retain competitive advantage?
  Rustin I. Carpenter, Chief Strategy and Business Development Officer, Viewpointe; Ward H. Gailey, SVP, Enterprise Payments Strategy, SunTrust Banks
• Electronic cheque processing solutions: Choosing the right option for retail payments
  Brian V. Mooney, President, TeleCheck International
• Using e-cheques to reduce credit interchange fees: Case study of Carnegie Mellon University
  Linda Anderson, Director of Enrollment Services, Carnegie Mellon University; Michelle Palombo, VP, Mellon Working Capital Solutions
• The Japanese payments landscape and its future
  Takashi Kimori, General Manager, Transaction Services Division, Bank of Tokyo-Mitsubishi UFJ
• Payment systems in India: Current challenges and opportunities
  Sonjoy Chaterjee, Managing Director & CEO, ICICI BANK UK
• The interoperability revolution
  Gottfried Leibbrandt, Head of Standards, SWIFT

Volume 1 Number 4 (July 2007)

• Assessing the impact of non-banks on the payments business: The challenge to safety, efficiency, customer loyalty and payment revenue streams
  Brian Le Sar, Director, Payment Business Systems, Standard Bank Group
• Strategies and criteria for new payments technology investments
  Patrick C. Foy, President, e-Payments Division, Fiserv
• Turkeys voting for Christmas? How self-regulation makes the European payments market more competitive
  Roland Uittenbogaard, SEPA coordinator, De Nederlandsche Bank
• Exploiting the new opportunities in European payments
  Jonathan Williams, Principal Market Strategist, Eiger Systems
• What benefits have been delivered in practice by remote deposit and how do you maximise them?
  Kristine Oberg, Vice President, Strategic Market Development, Nova Information Systems
• Educating customers on back office conversion of cheques
  Dawn Stroup Kirby, Associate, Bank of America
• Electronic payments service provider contracting: Best practices and pitfalls
  Duncan B. Douglass, Attorney, Financial Services & Products Group, Alston & Bird

Volume 1 Number 3 (April 2007)

• What can banks do to manage their enterprise payments strategy better?
  Raymond M. Mulhern, President, The M Consulting Group
• Maximising operational efficiency for remote deposit capture’s burgeoning growth
  Bob Meara, Senior Analyst, Celent
• Understanding buyer and seller behaviour for improved payment product development
  Chiel Liezenberg, Douwe Lycklama, Innopay and Harry Smorenberg, CEO, Smorenberg Corporate Consultancy
• What do central banks and banks need to do to prepare for migration to TARGET2?
  Yvon Lucas, Director and Christine Sampic, Head, Policy and Organization Division, Payment Systems and Market Infrastructure Department, Banque de France
• Successfully investing in new payment technologies by understanding consumer preferences and merchant influence
  Diane Offereins, EVP & Chief Administrative and Technology Officer, Rick J. Reese, Vice President, Enterprise Architecture and Joe Bonefas, Vice President, Business Strategic Planning and Solutions, Discover Financial Services
• Using enterprise banking to meet the challenges and opportunities of small-business banking
  Debbie Smart, Senior Product Consultant, ACI Worldwide
• Borderless banking: How banks can meet the challenges of regulation and payments commoditisation through increased cooperation
  Tom Isaac, Managing Director, F.I. Relationships, Citigroup
• A new architecture and production model for ATM and self-service software: Enhancing revenue opportunities and reducing cost of channel delivery
  Nigel Walsh, Executive Chairman, Level Four Software
• Unusual price-volume relationships in transaction pricing for payment cards
  Eric Dunn, General Partner, Cardinal Venture Capital

Volume 1 Number 2 (January 2007)

• The impact of EMV migration on the global cards payments infrastructure: How it will change and expand card use
  Toni Merschen, Group Head, Chip, MasterCard
• Remittances: Can the industry meet the demands of consumers and regulators?
  Nancy Todor, Director, Global Payments, Citigroup
• The US prepaid card market: A review
  Sujit Chakravorti, Senior Economist and Victor Lubasi, Senior Analyst, Federal Reserve Bank of Chicago
• Challenges and opportunities in the Indian payments market
  Harsh Vardhan, Director, Boston Consulting Group
• Security of payments on the Internet: A central bank perspective
  Denis Beau, Deputy Director, Payment Systems and Market Infrastructures Directorate, Banque de France
• What makes for successful micropayments products and business models?
  James C. McGrath, Payment Cards Center, Federal Reserve Bank of Philadelphia
• Trends in card payments processing in Central and Eastern Europe: Revolution or evolution?
  Espen Tranoy, Vice President, First Data International

Volume 1 Number 1 (October 2006)

• Measuring and communicating the value of a bank’s payments business
  David C. Robertson, Partner, Treasury Strategies
• Single euro payments area from the retail banking perspective
  Bernd M. Fieseler, Managing board member, German Savings Banks Association
• Mitigating automated clearing house risk through originator training
  Timothy Mills, Director, Electronic Payments Network, Jennifer Stanley, ACH Senior Product Manager and John Biloz, ACH Product Manager, JPMorgan Chase
• ISO 20022: The implications for payments processing and requirements for its successful use
  Steve Goswell, Principal, Barclays Global Investors
• Electronic payments as a risk-reduction tool: Replacing vendor cheques at Day International
  Steve Skerl, VP & Treasurer, Day International and Dale Sorenson, PricewaterhouseCoopers
• What are the implications of health savings accounts for the US payments business? How can financial institutions best exploit this opportunity?
  Aamer Baig, Managing Partner, Diamond Management & Technology Consultants
• Outsourcing payments transaction processing in a SEPA environment
  Goetz Moeller, Member, Board of Managing Directors, Transaktionsinstitut fur Zahlungsverkehrsdienstleistungen
• Best practices in bank automated clearing house risk management
  Laura Listwan, First Vice President, Payments Product Management, ABN AMRO