Michel Barjansky, Director Business Development, RATP - Régie Autonome des Transports Parisiens

Simon Bates, Youth Opportunity Card Manager, Cambridge County Council Simon Bates is a project manager for Cambridgeshire County Council’s ‘Youth Opportunity Card’ and has been working with the Government of the United Kingdom for 2 years on the development of an entitlement card for young people. Simon’s area of experience is in project development children and young people’s services; prior to this project he developed an arts based social development programme for juvenile offenders and produced research into the housing needs of teenage parents. Simon qualified as a Youth and Community Worker, is a PRINCE2 practitioner and also lectures in Ethics and Organisational behaviour at Anglia Ruskin University in Cambridge.

Ian Baxter, Head of Distribution, Heathrow Express Operating Company

Can Bayindir, Technical Architect, Garanti Technology Can Bayindir is the Technical Architect working at Garanti Technology, Garanti Bank. He has over 10 years experience in banking sector, on both the acquiring and issuing sides of the business and started his career as an application developer in card management and ATM/POS/SWITCH systems. Garanti Technology provides particularly banking and financial services, but also services including technology infrastructure and software development on various platforms.

Ms Selin Billi, Head of e-CRM, Garanti Bank

Ann Börestam, Senior Expert, Payment Systems and Market Infrastructure, European Central Bank

Tony Burgess, Head of Retail Product Management, Atos Origin Transport division

Philippe Caluwaerts, Policy Officer Payment Services - DG Internal Market and Services, Unit H3, European Commission

Mr John Casanova, Partner, Sidley Austin LLP

Robert Courtneidge, Founder, Prepaid International Forum Robert has over 15 years' experience in the cards and payments systems arena and covers all aspects of consumer finance and the technology behind it. He is an expert in consumer protection, data protection, banking regulation and compliance. Robert is recognised as one of the top industry specialists in the e-money arena and has advised many top financial institutions such as Citibank, GE Bank, Morgan Stanley and Diners Club as well as technology providers including Yodlee, Money Supermarket and Yahoo. He is also a founding Director on the steeting committee of Prepaid International Forum, the body that has been set up to be the voice of the prepaid industry. He also acts for many players in the prepaid world such as PPT, APS, Tuxedo, Altair and M-Cube to name a few. He works closely with the compliance and industry bodies including an Associate of Payment Clearing Services (APACS) and the Financial Services Association (FSA) to ensure all his clients' activities are legal and compliant.

Tony Craddock, Chief Executive Officer, Giftex Prepay

Myles Davidson, Managing Director, Which Prepaid Card?

Mark Gregg, Chief Executive, Cadooz

Tom Griffiths, Founder, gapyear.com Recognised as the authority on gap years around the world since 1998, Tom acts as a media spokesperson, Government advisor and consultant in the fastest growing travel industry sector of the Millennium. As the ‘Gap Year Guru’ he is regularly invited to comment on gap year and independent travel related issues. During this decade he has invented products, phrases and concepts which form the skeleton of a global industry valued at over £5bn. Author, Economist, entrepreneur, motivator - the driving force behind the modern gap year industry - Sir Richard Branson commented that 'His energy and enthusiasm is infectious'.

Lars Ingvard Hoff, Project Manager & Researcher, Telenor Hoff is Project Manager for the Tap2Pay NFC M-Payment trial that Telenor and Norway's leading bank DnBNOR is preparing in cooperation with MasterCard, G&D and other partners. He is a NFC and mobile payment enthusiast and holds a Master Degree from NTNU Norwegian University of Science and Technology.

Marko Jagodic, Adviser to Chief R&D Officer, Mobitel Slovenia Mr. Marko Jagodič holds B.Sc. and M.Sc. degrees in Electrical Engineering from University of Ljubljana. During 25 years of his professional carrier Marko worked in different roles for national and international companies in various industries. As a software R&D engineer he was involved in design of VLSI microchips, CAD systems, traffic control systems, ERP systems, as a consultant he consulted in IT related management consulting and BPR, as a sales manager he managed sales teams selling system integration services and SW development services on national and international markets, as a business manager he managed teams and customers from telecommunications, financial institutions and government institutions. Marko joined Mobitel d.d. at the end of 2004. His responsibilities include evolution of Mobitel’s mobile payment solutions under brand Moneta.

Christian Kantner, Product Manager NFC, Mobilkom Austria AG In 2003 Christian joined mobilkom austria's TechLab, where he was responsible for finding and analyzing new trends for mobile phone operators, focusing mainly on mobile terminal technology. He has been investigating NFC technology and its possibilities since mid 2004 and got involved in NFC forum activities in 2005. He is coeditor of the NFC technical guidelines white paper published by the GSMA. Since 2007 Christian Kantner has been the Product Manager for NFC in mobilkom austria's m-commerce team.

Pekka Laaksonen, Development Manager, Nordea Bank Pekka Laaksonen has been working in Nordea since 1999. His current responsibilities include the development of the netpayments and mobile payments within Nordea markets. He has experience from the online payments and banking, card business and mobile payments. Having also worked as a business controller for eBanking and eBusiness he has the hands on knowledge about the numbers behind the business. He is also a member in the EPC's SEPA Online Payments Working Group and Mobey Forum's Enrolment Task Force. He is also a member in the ePayments Coordination Body of the Finnish Banker's Association.

Peter Lewis, Oyster Development Manager, Transport for London Peter has worked for TfL for over 9 years and project managed the Oyster card delivery programme from initiation, throughout the stages of business requirements, system design, marketing, testing and implementation including the full customer launch. He led the phased rollout for the Oyster card to become the success that it is today. Once the Oyster card became established, Peter has ensured that the Oyster programme has gone from strength to strength with a series of innovative enhancements. He is now focused on delivering benefits to London arising from Oyster’s achievements with specific emphasis in the area of payments and emerging technologies. After commencing a career in the City of London’s financial sector, Peter worked in local government for many years, leading major projects specifically in the area of organisational change, information systems and contract management.

Didier Marissal, CEO, Mobile Global Services Ltd.

Gregers Mogensen, Project Director, DSB (Danish State Railways)

James Moore, Innovation Team, Egg Banking, Citi UK Consumer Group

Salvatore Pennino, Head of Cards, Deutsche Bank Since May 2006 Salvatore has been Member of the Board of Consumer Finance Deutsche Bank Private and Business Clients Germany. He is responsible for the entire German card business (debit, charge and credit cards incl cobranding programmes)

Len Pienaar, Chief Executive Officer, FNB Mobile & Transact Solutions The new business unit, FNB Mobile and Transact Solutions, has played a pivotal role in shaping the mobile banking industry in South Africa. Relaunching FNB Cellphone Banking in 2005 with an innovative service that allowed users to bank via SMS, Len introduced a period of rapid mobile banking growth not only for FNB, but for the entire banking industry. His business unit has been responsible for growing Cellphone Banking volumes to nearly one million transactions per month in only two years and have grown FNB’s prepaid sales by a staggering 400%. As CEO, Len’s responsibilities include Cellphone Banking, Pre Paid sales and Cell Pay Point, a newly introduced mobile payment service for FNB South Africa. He was also responsible for the implementation of Cellphone Banking and Pre Paid services for FNB Botswana and FNB Namibia, thus increasing his already considerable African experience. His vast knowledge and experience in Africa have also led to Len’s role as a non executive director of Celpay, a FirstRand subsidiary that operates a cellphone based financial services company in the Democratic Republic of the Congo and Zambia.

Chris Reddish, Chairman, Prepaid International Forum Chris Reddish is responsible for MasterCard Europe’s PrePaid activities in Europe. As such, he heads up the Prepaid cross-functional team, covering 53 country markets across the Europe region. He is responsible for the local alignments of MasterCard’s Prepaid development, product management and implementation strategy within the region. An experienced business director, Chris comes to MasterCard with over 20 years of middle and senior management experience in financial services and other Blue Chip sectors. Most recently, Chris was Chief Operating Officer and Managing Director for PrePay Technologies Limited, an international market leader in the design and delivery of innovative prepaid solutions. Responsible for ongoing operational and new business project delivery, Chris managed a two-fold growth of PrePay’s staff team, resulting in a quadrupling of sales revenue. Prior to this, Chris held a number of senior roles within organizations such as Dresdner Kleinwort Wasserstein, Petroleum Geo-Services and various UK Government departments, which included international operations and project planning. Chris’s interests include mountaineering, motor and water sports. He is a founding member of the Prepaid International Forum and representative at the Electronic Money Association

Dr Thaer Sabri, Managing Director, Flawless Money (Electronic Money Transmitters Association) Thaer is Chief Executive of the Electronic Money Association, the trade body representing electronic money issuers and payment service providers in the EEA. These include card payment schemes, e-money issuers and payment service providers. He has represented the interests of e-money firms with regulators on a variety of topics from financial regulation to anti money laundering and risk. The EMA is a member of the JMLSG and drafts the Money Laundering Sectoral guidance for e-money issuers which forms part of JMLSG Guidance. Thaer is also Director of Flawless Money Limited, a niche consultancy focusing on payments and e-money. It has represented e-money issuers in their applications for authorisation, in passporting into the EU and assisted issuers in developing internal systems and controls. Previously Thaer acted as European counsel for beenz.com, and regulatory manager at Mondex International.

Tomas Stegura, Emerging Business Solutions, Ceskoslovenska Obchodni Banka Tomáš Stegura is member of Emerging Business Solutions department since year 2006 where he works on business development projects. He started in ČSOB as analyst in the area of electronic payment systems and now is in roles of project manager and business architect. His earlier occupation was in process analysis of public sector for Siemens Business Services. Tomáš graduated from information management as major and quality management as minor specialization at University of economics in Prague.

Thore Vestergaard, Marketing Manager EMEA, Citibank Prepaid Solutions Thore Vestergaard joined Citi in 2005 and is responsible for the overall success of prepaid cards in the EMEA market. Previously he was responsible for delivering commercial card payment solutions to large corporate and government entities within Europe and beyond. Before joining the bank, he worked for Visa International for 12 years where he was responsible for corporate and government card solutions in the CEMEA region.

Jim Wadsworth, Executive Director, JPMorgan Global Cards JPMorgan is one of the world's largest payment card issuers and is very actively expanding internationally; Jim Wadsworth leads its prepaid and commercial card product activities across EMEA. He is also on the Board of the Prepaid International Forum. Prior to joining JPMorgan he has had a variety of roles leading innovation and driving business growth in both the financial services and mobile industries; for example during the mobile industry phase of his career he was the Chief Marketing Officer of Simpay, the pan-European telco owned m-commerce initiative.

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