• Has it delivered consistency and transparency?
• The RBA’s 2007 Review – what’s needed
• Maintaining market leadership by adapting to change

• Examining what a co-regulatory environment means to
  players in the market
• Discussing the implications on your business and new
  technology
• Highlighting the challenges and rewards in voluntary
  regulation

• The payments system – the state of play after the latest round of reforms
• Discussing Eftpos access
• Examining credit card reforms-where to now?
• Weighing in on debit card reforms and interchange fees

• Acquisition
• Activation
• Risk Mitigation
• Retention

• Exposing Australia’s risk in global terms
• Discussing the growing confidence new generations have in on-line purchases
• Making the business case for world class risk/fraud monitoring
• End-to-end risk management – what it means to the cards industry

In 2004, Oman International Bank unearthed a huge ATM Fraud in Oman in co-ordination with the Royal Oman Police and saved millions of dollars being siphoned from the country.

• Leveraging the learnings: card business as high return/high risk
• Discussing the credit/debit card fraud pattern
• Examining technology advancements – helping to fight card fraud
• Assessing the new generation ATM fraud
• Adapting proactive solutions: precautions is better than cure

• The fraud “playing field”
• How do I manage “successfully”?
• The changing face of fraud
• Industry trend – the case for convergence to account-based fraud management

• How do you select the best risk card monitoring system?
• Discussing the challenges of implementation
• What can banks do to be more pro-active in controlling losses through fraud
• Does better risk management equal better customer service?
• Considering strategies to identify and manage operational risk
• Is Eftpos stalling smart card take up in Australia?
• How can the infrastructure of chip and PIN technology be used for future applications?
• Considering infrastructure and the implications of migration including ATM, Eftpos, on-line banking and e-commerce

• Discussing how the Coles Myer Source MasterCard delivered the fastest growth in the Australian credit card segment in its first year
• Assessing how consumers will ultimately decide who grows fastest
• Weighing how new entrants will affect the POS credit opportunity In Australia

• Making the business case for mobile payments
• Discussing fraud and security
• Exploring the hurdles for consumers
• Weighing the impact on infrastructure and on card issuers

• Discussing opportunities with small business segment in Australia
• Assessing the consumer vs. small business customer
• Discussing business credit vs. business debit
• Key challenges in the growth of small business card portfolios

• Discussing “Honour all Cards” rules and history to acceptance
• Weighing the implications of the emergence of additional cards
• Considering that scheme debit cards as unrecognisable at present, and why there is a need to identify them
• Exploring the consequence of not being able to identify the type of product
• Assessing bank branding American Express and Diners Cards

• Payments and cards in light of the changing landscape of cards and payment industry
• Assessing the cards landscape and “honour all cards” rules and their impact on consumers and merchants
• Exploring the drivers for EMV migration and upgrading Eftpos terminals for chip based smart cards
• Discussing gift cards and opportunities for retailers

• Assessing security and other drivers for EMV migration globally
• Considering the drivers for Australia and building the business case

• Making the business case for retailers-more customers, more transactions and increased average sales
• Discussing the value proposition for consumers – offering the greatest percentage of cash-back in the market
• Moving forward: smart chips, contactless cards and the rise of the OneCard terminal fleet

• Expoloring different co-branded credit cards in the Middle East and South Asia region and in other parts of our Group.

• The strategy behind the financial planning tool for teens – the untapped market
• Assessing cultural context: current youth payment solutions and spending patterns
• Youth lifestyle positioning with an overview of their wants and needs
• Launching the Youth Card – and all the issues to be considered
• Addressing the strategy behind the marketing campaign

• Understanding the intricate link between card technologies, payment schemes and loyalty programmes – how they should all integrate for the “ultimate” customer experience
• What impacts with the diluting of airline reward programs have on the whole of all reward programmes?
• Analysing the tools of the trade: balance transfers, low introduction rates, rapid credit lines, access cheques, zero annual fees, aggressive marketing
• Discussing the future of broad-based affinity cards and status products
• Exploring the role of strategic relationships to offer enhanced
  consumer value

Masterclass Overview

The Masterclass will cover an introduction to the latest advances in managing consumer credit risk.  Successful risk management involves evaluating risk throughout the customer lifecycle.  From origination to account management, learn about the key issues affecting your customer decisions and how to better manage your customer relationships for maximum results.  Our experts will take you through the thinking and strategies that can help you improve the way you manage risk.

Benefits of Attending:

• Develop an understanding of how applying analytics to internal and credit bureau data can improve your bottom line
• Learn how to build stronger and more profitable customer relationships
• Discover fraud management strategies that provide a competitive advantage
• Explore how you can make better decisions to create efficiencies and grow revenue