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APSCA©20178thAsianPaymentCardForumPage1of9

Asian Payment Card Forum 21-22 September 2017, Lalit Hotel, Mumbai

8th

Subjects Covered: - The Global Roadmap for Consumer Payments

- Fraud, Tokenisation and CNP Authentication

- Authenticating Face-to-Face Transactions

- Customer Education and Behaviour Change

- Expanding ePayments Acceptance at Merchants

- Succeeding with Contactless Payments

- The Choices for Mobile Proximity Payments

- Using Transport Payments to Drive ePayments

- Payments Strategies based on Smartphones

- Targeting Multi-Tiered Payments Markets

- Lessons from Banknote Demonetisation

- Aadhaar, Biometrics & Digital Identity

- Developing Instant Payments Systems

- Solutions for Unbanked & Recently Banked

Sponsorship Opportunities

FROM CASH TO DIGITAL

PAYMENTS

Hosted by Organised by

ASIA’S LEADING FORUM FOR CONSUMER PAYMENTS STAKEHOLDERS


On 21-22 September 2017, APSCA will organise the 8th Asian Payment Card Forum in Mumbai. The forum is Asia’s largest gathering of card issuers and acquirers, domestic bank card networks, international payment systems, mobile payment companies and e-payment services providers that meet to explore best practices for driving the consumer payments landscape towards a digital payments future. The 8th Forum will be hosted by the National Payments Corporation

of India (NPCI) at the Lalit Hotel in Mumbai and will provide a unique learning, discussion and networking opportunity for experts in consumer payments and retail banking in Asia. Largest Market Opportunity for Digital Payments With a market of over 1.3 billion people and a rapidly developing economy that is largely cash-based, India represents one of the greatest opportunities for digital payments. This is the largest market where domestic and international payments stakeholders compete on equal terms while also co-operating where industry collaboration benefits all parties. The Forum will highlight how India is setting trends in payments that have global relevance. Cash - a challenge and an opportunity If the objective of the payments industry is to digitise cash transactions, then converting cash payments to electronic transactions in India might be the most difficult task and the greatest opportunity. According to a report from IMAP1 in 2015 cash made up 78% of total transactions in India (cf. 20-25% in developed economies). But future estimates of the total payments made through digital payments instruments could be in the range of US$500 billion2 by 2020.

India - Everything Happening in Payments Today Although a developing country dominated by cash transactions, India has already launched a broad range of both legacy as well as alternative electronic payments programs; From traditional payment cards to mobile wallets to instant payments to digital identity and financial inclusion, the market is unusual in that almost all the leading innovations and developments in payments that are taking place around the world are present in India today. Government Impact on Payments Innovation India’s broad range of e-payments initiatives are being driven by pragmatic and flexible regulatory approaches to driving “less cash” payments, and supported by innovative Government of India initiatives that are driving financial inclusion and digitisation. The regulator is mandating globally interoperable EMV-based payments and acceptance infrastructure while also encouraging new and innovative national payments standards and systems.

Aadhaar - the world’s largest biometric digital ID system for authentication of citizens

Pradhan Mantri Jan-Dhan Yojana (PMJDY) - the National Mission for Financial Inclusion that has opened 280 million bank accounts to date

Banknote Demonetisation - a groundbreaking initiative that boosted digital payments and continues to accelerate e-payments acceptance

Unified Payments

Interface (UPI) - one of the first

national instant payments

services for P2P and person-to-

business transactions

Bharat QR - the first national standard for secure QR code-based consumer payments Common Mobility in public transport ticketing based on EMV open-loop payments


Mobile Internet and Digital Payments A key factor driving digital payments growth in India is the rapid adoption of connected smartphones which crossed 300 million3 users at the end of 2016 (significantly higher than the U.S.) and will exceed 700 million4 users by 2020. The number of unique active mobile wallet users is already triple2 the number of credit cards issued in India. By 2020 India will have 730 million3 Internet users with 175 million online shoppers, 75% of them using mobile devices.

Strategies for Multi-Tiered Payments Markets In common with other developing countries, India is a multi-tiered payments market with the smallest upper tier of affluent banked credit card customers, a rapidly growing middle class of debit card customers and the majority of the unbanked and recently banked citizens in the largest lower tier. But in contrast to other developing markets, Indian banks see potential customers for all payments products in every tier.

The 8th Asian Payment Card Forum is a unique opportunity for experts from the Indian consumer payments ecosystem to meet and discuss the roadmap for globally interoperable and national domestic payments with thought leaders from Asia Pacific and international markets.

1 - http://www.imap.com/Reports/Q4%202016%20Payments%20Industry%20in%20India.pdf 2 - http://image-src.bcg.com/BCG_COM/BCG-Google%20Digital%20Payments%202020-July%202016_tcm21-39245.pdf 3 - http://www.counterpointresearch.com/press_release/indiahandset2016q4analysis/ 4 - http://www.nasscom.in/future-internet-india


Payment Card Technology Roadmap Developments in global and national standards driving the roadmap for chip payment cards, contactless payments and acceptance, mobile NFC payments. Next-generation EMV specifications for e-commerce, QR code-based payments, payment card tokenisation. The rise of instant (real-time) consumer payments. Succeeding with Contactless Payments Contactless payment card transactions and sales volume are exploding in some markets but lacklustre in others. What are the strategies that have proven to be successful in markets such as Australia where 70% of card payments are now contactless? Do these strategies translate to developing markets? Driving ePayments with Transport Payments Asian public transport ticketing schemes have used contactless AFC to create successful closed-loop contactless payment products. How can financial institutions use the opportunities for open-loop contactless transport payments to build low value payments business and drive e-payments adoption? Contactless Payments Potential for Smart Cities Asian cities have demonstrated the potential for contacts payments support a wide range of services in urban environments. How can municipal authorities, infrastructure and utility operators and commercial companies co-operate to develop contactless use cases that benefit customers and merchants? The Choices for Mobile Proximity Payments EMV card-based NFC mobile payments, including OEM-pay and HCE-based products, are making very slow progress in most markets. Mobile QR code-based payments are experiencing phenomenal growth in China but is this repeatable in India? Or was the recent uptick attributable only to demonetisation?

Alternative Consumer Payments Systems Aadhaar-based payments are a unique example of instant payments and alternative payment solutions that are developing globally. How will Aadhaar and other instant and alternative payment approaches fit with the card-based payments infrastructure being deployed under EMV specifications? Customer Education, Protection and Behaviour Change In today’s rapidly developing payments ecosystem with frequent launches of new and innovative payment card and mobile payment products, how can issuers ensure that customers (including cardholders and merchants) understand and adopt appropriate security practices? Authenticating Face-to-Face Transactions India’s payment card industry must complete EMV Chip and PIN migration by Q4 2018. What is the future of CVM@POS for card and mobile payments? Will PIN and biometric-based authentication co-exist? How should customers be authenticated for QR-code based payments? Fraud, Tokenisation and CNP Authentication Latest approaches to F2F and CNP payment card fraud. Single-use/multi-use tokens for authentication and protecting payment card data. How 3D Secure 2.0 with token-based and biometric authentication, supported by additional data during transactions, will enable risk-based decision-making. The Impact of Digital Payments Digital payments converges online and offline transactions and enables payments to be embedded in every connected device. Can the exploding growth of smartphones and connectivity reach enough citizens to become a game changer for consumer

BUSINESS & TECHNOLOGY ISSUES


21ST September: CONTACTLESS PAYMENTS 22nd September: DIGITAL PAYMENTS & AND ACCEPTANCE AUTHENTICATION

* Check our website at www.apsca.org for frequent updates on programme topics, speakers, sponsors and exhibitors

FollowusonTwitteratAPSCA_Updates

INTRO Keynotes

Reserve Bank of India

APSCA

SESSION 1 Roadmap for Consumer Payments

Future of globally interoperable payment – EMVCo

Development of domestic retail payments - NPCI

Expo, Refreshments, Networking

SESSION 2 Succeeding with Contactless Payments

International best practices for developing consumer

adoption of contactless payments

Discussion: Successful case studies on how to launch

contactless acceptance

Lunch

SESSION 3 Contactless Transport Payments

Driving financial payments through transport ticketing and revenue management

Discussion: Integrating closed-loop transport

payments with EMV open-loop payments


SESSION 4 Contactless Payments for Smart Cities

Metropolitan use cases for everyday contactless

shopping, travel and convenience

Discussion: Business models for growing acceptance

of digital payments

SESSION 5 Mobile Proximity Payments

Selecting mobile payments products and

acceptance for all customer demographics

Discussion: How mobile is converging online and

offline retail payments


SESSION 6 Alternative Consumer Payments

Aadhaar, instant payments and new ways to enable

consumer payments

Discussion: Integrating alternative payments with

legacy card payment systems

Lunch

SESSION 7 Customer Education and Protection

Ensuring cardholders and merchants understand

appropriate security practices

Discussion: How is CVM likely to change for card

and mobile payments?


SESSION 8 The Future of eCommerce

New approaches to managing e-commerce fraud

across devices and channels

Discussion: Driving secure and convenient e-

commerce with risk-based authentication

CLOSE Forum Wrap-up

Forum conclusions and announcements on upcoming APSCA events

PROGRAM OUTLINE


BANK CONSUMER PAYMENTS EXPERTS Since the first forum in 2010, the Asian Payment Card Forum has been attended by a growing number of consumer payments experts

from over 20 payment card markets. Attendance at the previous six forums ranged from 180-300 delegates with 40-60% being

representatives of commercial banks, payment networks, payment service providers, retailers and central banks.

PARTICIPATION IN 2016 The 7th Asian Payment Card Forum held in Hanoi, Vietnam, hosted by the Vietnam Banks Association (VNBA) was attended by 279

participants of which 71% were decision-makers from Banks, Payment Schemes, PSPs, Retailers, Transport Operators and Government

Agencies from 19 international markets – Vietnam, Cambodia, Laos, Myanmar, Japan, Hong Kong, USA, Turkey, Australia, Thailand,

Singapore, Malaysia, New Zealand, France, China, Korea, The Netherlands, Belgium and UK.

“ThiswasoneofthebesteventsIhaveseeninlastfewyearswhichcoveredawidespectrumofdigitalandphysicalpayments.Itwasgreattohearfromvariousstakeholdersincludingbanks, solutionproviders, regulators and influencers together at the same place. I lookforwardtosimilarengagementwithindustryleadersinthefuture.”

“Theforumwasveryinformativeintermsofcontentaboutcardpaymentsandrelateddigitalfinancematters.Atthesametime,asanattendeeIfoundittobeagreatopportunityfornetworkingandcooperating"

“TheAsianPaymentCardForumputs togethera comprehensiveprogramcoveringthe latestpayment industrymovementalongwithregional focusandperspectivesthatarerelevanttotheAsianaudience.IlooktoAPSCAtocontinueprovidingaforumfortheAsianpaymentcommunitytohelppushthingsforward.”

ChauPhamTPBank

AjayKumarEntrustDatacard

JackPanEMVCo

PROFILE DISTRIBUTION DELEGATE DISTRIBUTION

DelegateDistributionat7thAsianPaymentCardForum,Vietnam2016


Who Will Attend APSCA is inviting consumer payments stakeholders from all Asian markets to participate in the 8th Asian Payment Card Forum. Free passes are available for banks, retailers, domestic payment schemes and central banks to attend the forum and invitations have been sent to relevant decision-makers at financial institutions across the region. The forum is particularly designed for managers in consumer banking, payments cards, digital commerce, acquiring and acceptance. As the industry focus expands from how consumers purchase to how they shop, the forum also attracts a wider audience interested in the new ways to shop and how they are changing retail payments. The forum is essentially important for national payment schemes, domestic card networks and bank card switches but it also attracts, MNOs, transport revenue collection and ticketing companies, e-payments and remittance companies issuing e-money and prepaid card products.

Technology Exposition A technology exposition of latest technologies and solutions for payment card business will be held concurrently with the 8th Asian Payment Card Forum. The exposition will enable senior decision-makers, banks and providers of various payment card systems to learn of the latest solutions for chip-based, contactless and digital consumer payments technology.


Past Sponsors & Exhibitors


Limited Free passes for Banks There are a limited number of free passes available for commercial banks, central banks and national bank card switching networks to participate in the forum. The allocation of free passes is as follows: COMMERCIAL BANKS: 2 free passes for each related department in the bank¹ CENTRAL BANKS: 5 free passes for each Central Bank² NATIONAL BANK CARD NETWORKS: 5 free passes for each organisation³

Note 1: Each bank department directly related to payment

cards, mobile payments, digital commerce, ATM cards, acquiring, acceptance or other consumer payment-related business. After 2 free passes, the cost for additional registrations will be USD100

Note 2: For central bank departments directly responsible for

supervision and regulation of payment cards, ATM cards, electronic transactions and electronic money. After 5 free passes, the cost for additional registrations will be USD100

Note 3: The organisation must be a domestic bank payment

card network or a domestic ATM switching network. After 5 free passes, the cost for additional registrations will be USD100

How to Register for the Forum Card-issuing and acquiring financial institutions, retailers, domestic bank card networks and all other organisations that wish to register for the 8th Asian Payment Card Forum on “From Cash to Digital Payments” can register online from our website at www.apsca.org.

For general enquiries or further information, please contact: APSCA ASIA-PACIFIC APSCA INDIA Elaine Li Abhijit Sengupta Business Development Manager Director Phone: +86-21-3120 0321 Ext 15 Mobile 1: +91-9873130155

Mobile: +86-13671773143 Mobile 2: +91-9831001116

Email: [email protected] Email: [email protected]

About APSCA

APSCA is the only regional industry association for organisations in the secure smart card, smart devices, contactless, mobile

contactless/NFC, e-Identification and M2M/IOT businesses in Asia, focusing on multi-sector business and government

applications. APSCA has organised over 175 events across 19 countries in Asia, Africa and the Gulf since 1997 including some of

the largest payment card forums and conferences held in the region. The Association delivers information, guidance and

networking to corporations and government organisations, including smart card scheme operators and suppliers, providing an

unparalleled opportunity to source information and contacts, facilitate secure smart technology initiatives and generate

increased business development. Established in 1997, APSCA now has over 40 members throughout Asia, South Asia,

Australasia and Europe. The Association has one of the largest business networks in Asia- Pacific with over 15,000 secure smart

technology industry executives.

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