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					 Lafferty Cards Asia 2008
 Conference & Exhibition
 Cards and Payments Re-invented
 6-7 November 2008, Shangri-La Hotel, Bangkok




 Key contributors:

           Farhad Irani   Global Head of Credit Cards and Personal Loans, Standard Chartered Bank
    Surath Chatterjee     Regional Head of Cards Asia Pacific, Citibank
           Paul Skiadas   Executive Vice President, GE Money Asia
         Howard Allen     CEO, Research and Advisory, Lafferty Group Asia-Pacific
       Vincent Chiang     CEO, Pacific Credit Card Center, Bank of Communications
Laurel Powers-Freeling    CEO, Dubai Group
          Ajay Kanwal     Head of Consumer Banking, Standard Chartered Bank
      Hiroshi Tamano      Managing Director, DoCoMo Europe
        Poh Mui Hoon      CEO, NETS
          Karl Westvig    CEO, RCS Group – a member of the Foschini retailing group in South Africa
     Michael Walters      Director, Edgar, Dunn & Company
  Stephen YW Chang        Executive Director, Head of Cards, Asia Pacific, JP Morgan Chase,
                          Treasury Services
                                                                     www.lafferty.com

    Sponsors                   Function Host         Media Partner    Official Banking Association   In Association with



                                                                                                      Cards
Personal Message from Michael Lafferty

The cards industry has always been, without doubt, the most
exciting sector of retail financial services. Recent innovations
and developments within the global banking environment
mean that cards and payments are now at the forefront of
industry attempts to provide best-in-class customer service.                          Cards are
‘Re-invention’ of your cards business is now the key to                            magic – and
future success.
                                                                                   so is the cards
Since our last cards event in Asia there have been significant changes             business
in the global cards and payments landscape:

♦    Card payment companies have floated on the stock market and
     achieved unimaginable valuations

♦    Debit cards have exploded in popularity around the world and now exceed credit cards
     in both numbers and volume

♦    Prepaid cards and prepaid commerce in general has surpassed all expectations

♦    Banks have re-evaluated the role of merchant acquiring and processing to their
     business, often spinning off or selling these units

♦    Private equity houses have taken considerable stakes in parts of the industry

♦    Global regulation has had a significant effect on interchange and market access

So what does the future hold? Lafferty Cards Asia 2008 will feature an international panel
of cards and payments experts who will help shed light on these developments and explain
how, through ‘re-invention’, cards business in Asia can profit from them.

The programme will address issues such as profitability, innovation and sustainability including:

♦    Re-inventing the credit card to make it more appealing and target new market
     segments

♦    De-coupling of the debit card to make it a profit centre in its own right

♦    Changing the dynamics of merchant acquiring

♦    Mobile and contactless payments opportunities

♦    How to make profits from prepaid cards – global success stories and how they can be
     applied to your business model

This is just a taste of what we plan to debate and discuss in Bangkok in November. Join me to
get the full picture and put in place the building blocks to ”reinvent“ your cards business.




W   www.laffertycardsasia.com     E   asia.registrations@lafferty.com   T   Elaine Teo: + 65 9199 6342
Day One Thursday 6 November 2008

                                     re-invent the credit card and       Re-engineering technology
8.15                                 make it relevant for the new        and operations to support             15.45 -16.20
Registration and                     consumer environment.               growth                                Coffee break in the
welcome coffee in                    This session will look at
                                                                                                               exhibition area
                                                                         New technology and increased
the exhibition area                  innovations in credit cards         regulation are changing the
                                     around the world. It will           face of the cards and payments        16.20 -17.50
9.00 -10.40                          examine how banks are               landscape worldwide, driving          Session Four
Session One                          changing the rules of credit        banks to re-orientate their
                                     card design to target emerging      technology and operational            Mobile & Contactless
Keynote Session –                    segments in developed and           capabilities to support growth.       payments – The future
Re-invention from the                developing markets, and/or                                                is not plastic
                                                                         This session looks at how
top down                             maintain profitability in markets
                                                                         banks can optimise new
                                     where cards saturation is high                                            Realising the mobile
Welcome and global cards                                                 technologies such as enterprise
                                     and regulatory pressures are                                              payments opportunity
industry briefing                                                        architecture to make changes
                                     on the rise.                                                              After a few years of relative
                                                                         to the back office that deliver
Michael Lafferty, Chairman,                                              front-office results.                 neglect, mobile payments are
Lafferty Group, and Chairman,        Re-inventing the debit card
                                                                                                               once again the buzz word in
International Cards and              Debit cards have exploded in        Integrating customer                  the global payments industry.
Payments Council                     popularity around the world         service into the cards                New offerings are emerging
                                     and now exceed credit cards in      back office                           all the time, some with more
Keynote Session:                     both numbers and volume.                                                  likelihood of success than
Re-invention from the                                                    Adopting a customer-
                                     Many banks, particularly in the                                           others.
top down                                                                 orientated approach to process
                                     US, have invested significant
                                                                         optimisation is possible. The         This session looks at how
The world of retail banking is       sums in re-inventing the debit
                                                                         best issuers are incorporating        mobile payments can improve
undergoing a period of               card with a view to turning it
                                                                         customer feedback into the            customer service and give a
massive reorganisation and           into a profit centre.
                                                                         project prioritisation process.       bank a competitive advantage.
change, with payment cards           The session examines some of        The objective is to ensure            Attendees will learn how to
at the forefront.                    the innovations around debit        back office complexities do           identify the correct application
Leading industry players are         cards and the success or            not result in front office            for their business model, and
re-inventing their cards offering    otherwise of recent attempts to     embarrassments.                       how to overcome the
to shape the transformation in       de-commoditise the debit card.                                            challenges of launching a
                                                                         This session will look at
retail banking and lead the drive                                                                              mobile payments offering.
                                     Re-inventing merchant               strategies for successful
to best in class customer service.
                                     acquiring                           integration of customer service       Contactless cards and
This keynote session will discuss                                        objectives into back office
                                     The role of merchant acquiring                                            enhanced customer
what is meant by re-invention                                            processes, including harmonising
                                     to banks in Asia is undergoing                                            convenience
of the payment cards business                                            the product promise with
and how a strategy of re-            a sustained period of                                                     The future for contactless
                                                                         operational realities.
invention can be implemented         transformation. Amongst some                                              cards is less assured than the
in practice. It will look at the     of the biggest banks there is a                                           hyperbole would suggest.
                                                                         Meeting the regulatory
role of innovation, and set-out      move to establish joint ventures                                          Among the myriad of issues
                                                                         challenge
where the industry will go next.     with third-parties, while many                                            that could hinder growth are
                                     medium and small banks are          International, regional and           consumer concerns regarding
                                     looking to outsource altogether.    national regulation is                security and fraud issues and
10.40 -11.15                                                             increasingly impacting the
                                     This session will evaluate the                                            reluctance amongst banks to
Coffee break in the                                                      cards and payments industry.          invest in the technological
                                     causes driving market change
exhibition area                                                          From actions to lower                 upgrades required to turn
                                     and the options open to
                                                                         interchange to requirements           potential into reality.
                                     banks of all sizes within the
11.15 -12.45                                                             to increase capital adequacy
                                     Asia-Pacific region.                                                      This session will hear from
                                                                         ratios, banks now more than
Session Two                                                                                                    some of the success and
                                                                         ever have to adapt to meet
Re-inventing cards in                12.45 -14.15                        new regulatory challenges.            failures of current trials in the
                                     Networking Lunch in                                                       marketplace and learn how
Asia – Profit from a fast-                                               This session will look at the         combining contactless cards
evolving environment                 the exhibition area                 different types or regulation         and mobile payments could
                                                                         affecting card issuers in the         result in a compelling
Re-inventing the credit card
                                     14.15 -15.45                        Asia Pacific region and beyond.       consumer proposition.
The traditional credit card          Session Three                       It will examine the lessons
model has served the Western                                             that can be learned from the
world well for the last 25           Cards operations and                experiences of issuers elsewhere      17.50 -18.00
years. But as new types of           technology – Back                   in the world, and how banks           Chairman’s closing
consumers in Asia emerge it is       office best-practice for            should prepare for forthcoming        remarks and end of
time for the region’s banks to       headline results                    regulation in Asia.                   day one

W   www.laffertycardsasia.com                       E   asia.registrations@lafferty.com                    T   Elaine Teo: + 65 9199 6342
Day Two Friday 7 November 2008

                                    markets with little or no data     those entitled. Government             This session will look at the
8.15                                on customer risk the task          agencies can make significant          different methods by which
Re-registration and                 becomes much harder. Throw         cash handling cost savings             credit cards can be used as a
welcome coffee in                   in a global economic turndown      and, with the opportunity to           platform for cross-selling a
the exhibition area                 and successful management          add a general purpose e-purse          range of alternative financial
                                    of the risks associated with       to schemes, new revenues can           service products, taking in
                                    market expansion becomes a         be created whilst enhancing            best practice from banks in
9.00 -10.30
                                    massive challenge.                 public service provision.              the US and beyond.
Session One
                                    This session will look at credit   This session will show how
Business expansion –                scoring issues with relevance      technology is expanding the            15.30 -16.00
Take your cards offering            to the Asia-Pacific region,        reach of cards and how you can
                                                                                                              Coffee break in the
into new markets                    customer acquisition strategies    adapt your prepaid products
                                                                                                              exhibition area
                                    in new markets and                 to meet public services needs.
Launching an international          maintaining customer
credit card offering                satisfaction without raising                                              16.00 -17.30
                                    exposure to bad debts.             12.40 -14.00
As credit cards become more                                                                                   Session Four
                                                                       Networking Lunch in
established throughout the
                                                                       the exhibition area                    Closing Keynote Panel
Asia-Pacific region, many           10.30 -11.10
domestic banks are looking to                                                                                 Discussion –
                                    Coffee break in the
expand their card offering                                                                                    Cards & Payments in
                                    exhibition area                    14.00 -15.35
internationally. Despite the
                                                                       Session Three                          Asia-Pacific: The next
rewards on offer such moves                                                                                   10 years
have obvious risks and as           11.10 -12.40                       Customer Loyalty –
many international card                                                                                       The world of cards and
                                    Session Two                        Adding value to                        payments is at a point of
launches fail as succeed.
                                    Prepaid – How                      increase profitability                 unprecedented change,
Attendees to this session will                                                                                bordering on revolution. The
learn to identify the key drivers   sustainable profits can            Customer loyalty is more               next 10 years will see the
to a successful international       be achieved from                   than offering reward                   industry transform beyond
offering, including choosing        prepaid cards                      points                                 recognition. In an open-panel
the right market, product, and                                         In today’s highly competitive          discussion attended by all
launch strategy.                    Prepaid cards can be
                                                                       banking environment card               speakers, the leaders in cards
                                    profitable
                                                                       issuers need to find new and           and payments in Asia-Pacific
Targeting the unbanked
                                    The prepaid card market is         innovative ways to target new          will discuss the following
and low income – lessons
                                    booming with many banks            customers, whilst retaining            points.
from the West
                                    now issuing prepaid cards as       existing customers. Whether
Reaping the benefits of             part of an integrated                                                     ♦ Network developments
                                                                       they offer carbon offsets, air
economic growth across the          payments strategy. However,        miles, free coffee or discount             and the future for Visa
region, Asian consumers are         there remains a significant        vouchers, the pressure is on to            and MasterCard
now demanding greater access        uncertainty over the business      identify innovative ways to            ♦ Europe as a template for
to retail financial products        case for prepaid, with             achieve long-term customer
                                                                                                                  pan-Asian integration of
such as credit cards. Emerging      profitability a huge challenge     loyalty, and then convert this
segments, comprising the mass                                                                                     card networks
                                    across many segments of the        loyalty into a profitable long
affluent, low income, unbanked      prepaid value chain.               term relationship.                     ♦ Current and future
and Islamic consumers – to                                                                                        regulation of the industry
                                    This session will examine          This session will take in the
name but a few – have specific
                                    where profits are being made       different best practice
needs that the right card                                                                                     ♦ Dis-intermediation of the
                                    from prepaid cards and the         approaches used by issuers
offering can fulfill.                                                                                             banks – the threat from
                                    importance of marketing to         throughout the world to
This session will examine the                                                                                     Telcos and other new
                                    the success of an offering.        improve customer loyalty,
emerging segments in the                                               including the role of new                  entrants
region and how they can be          The evolution of cards in          technology such as CRM and
targeted. It will look at the       the public sector                  tailoring offerings to specific
opportunities and lessons in        Smart local and central            segments.
segmentation that can be            government departments are
learned form the West.              already delivering many public     Cross-selling on the back
                                    services and payments on smart     of a credit card offering
Managing market
                                    and prepaid cards. Prepaid         Cross-selling is a key objective
expansion
                                    cards are already providing        for the top retail banks and
Market expansion is difficult       convenience and choice for         many now rely on the credit
to achieve in the most benign       citizens, and a discreet means     card as a key tool to market
of markets. But in emerging         of delivering bursaries to         other products.


W   www.laffertycardsasia.com                      E   asia.registrations@lafferty.com                    T   Elaine Teo: + 65 9199 6342
Lafferty Group


Lafferty Group is dedicated to providing                        re-entered an area in which it has excelled for a quarter
                                                                of a century.
the highest standards of insight, objectivity
and market intelligence to leaders in retail                    Conferences
banking, cards & payments, consumer                             Lafferty Group is now back in the conference business,
finance, wealth management and private                          which it first entered in 1982. After a huge response to
                                                                Lafferty Cards Europe on 10-11 June in Milan, Lafferty
banking. The group’s comprehensive
                                                                Group is holding an additional three events: Lafferty Cards
service offer includes:
                                                                Central and Eastern Europe on 1-2 October 2008 in
                                                                Budapest, Lafferty Retail Banking Asia on 16-17
Councils                                                        October 2008 in Bangkok and Lafferty Cards Asia on
The councils provide research, intelligence and global          6-7 November 2008, also in Bangkok.
networking services to key players in the retail banking
and cards & payments industries. Members meet twice a           International Trade Association Management
year to network and brainstorm current industry issues          A range of management services are provided by Lafferty
and share best practices.                                       Group to Prepaid International Forum, a not-for-profit
                                                                cross-industry trade association established to represent
Online Database & Research Reports                              all parties participating on a commercial basis in prepaid
Lafferty Group’s online research resource, World Cards          commerce. Prepaid International Forum is now
Intelligence, provides critical data and analysis on the        expanding rapidly beyond Europe – and a SE Asia chapter
cards, payments and consumer finance markets. Covering          will shortly be launched.
over 60 key markets, the database allows users to
compare and contrast multiple data points and analyse           Bespoke Research/Advisory Services
only the content that is relevant to them. Lafferty also        Lafferty Group provides specialist multi-client and individual
publishes over 100 cards and consumer finance reports           client research covering key markets, major players, best
including country-specific, regional and global reports.        practices and specific industry sectors. It also provides
                                                                strategic advice through Lafferty & Associates, a team
Newsletters                                                     of consultants who are former senior industry executives
With the recent launch of Lafferty Cards Insider and            with hands-on experience in key management areas of
Lafferty Retail Banking Insider, Lafferty Group has             leading financial services businesses.




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ALL CONFERENCE DELEGATES RECEIVE A 10% SAVING
SUBSCRIPTION FORMS ARE AVAILABLE AT OUR STAND
Registration form

Lafferty Cards Asia 2008                                                                                                                                            5 WAYS TO REGISTER:

Conference & Exhibition                                                                                                                                             W    www.laffertycardsasia.com
                                                                                                                                                                     E   asia.registrations@lafferty.com
6-7 November 2008, Bangkok                                                                                                                                           T   + 65 9199 6342
                                                                                                                                                                     F   + 44 20 3008 8426
    DELEGATE INFORMATION
                                                                                                                                                                     P   Lafferty Conferences
First Name (Mr/Mrs/Ms) ______________________________________________________________________________________________________________________________
                                                                                                                                                                         One Hammersmith Grove
Family Name ________________________________________________________________________________________________________________________________________
                                                                                                                                                                         London W6 0NB
Job Title ______________________________________________________________________________________________________________________________________________
                                                                                                                                                                         UK
Company ______________________________________________________________________________________________________________________________________________
Address ______________________________________________________________________________________________________________________________________
____________________________________________________________________________________________________________________________________________________
                                                                                                                                                                    Terms & Conditions:
__________________________________________________________________________________________________   Postcode__________________________________________             Registration Fee: Registration fees cover
                                                                                                                                                                    participation at the two-day conference, entrance
Country______________________________________________________________________________________________________________________________________
                                                                                                                                                                    to the exhibition, lunches and refreshments and
Email ______________________________________________________________________________________________________________________________________________________        access to speakers’ papers post event. The fee does
                                                                                                                                                                    not include hotel accommodation and travel to the
Tel ______________________________________________________________________________________________________________________________________________________
                                                                                                                                                                    event. Registration is only confirmed when full
Signature ________________________________________________________________________ Date____________________________________________________                         payment is received.

       I agree to be bound to the terms & conditions of booking shown opposite.                                                                                     Payment: Payment must be received prior to the
                                                                                                                                                                    event. Payment methods are outlined on the
                                                                                                                                                                    registration form above.

    REGISTRATION FEE (please tick as appropriate)                                                                                                                   Cancellation: Substitutions can be made in writing
                                                                                                                                                                    at any time and will incur no penalty fee.
Standard Rate                                                                                        US$1695                                                        Cancellations without a substitute delegate received
                                                                                                                                                                    on or before 15 September 2008 will be subject to
Banking Association Member Rate                                                                      US$1295                                                        a 25% administration charge. Delegates cancelling
                                                                                                                                                                    after this date without a substitute delegate will be
Lafferty Council Member                                                                              US$1295                                                        required to pay the full fee and no refund will be
                                                                                                                                                                    given. Cancellations must be received in writing or
Bulk Booking                                                                                         US$4485                                                        by email and will not be accepted over the phone.

(this applies to 3 delegates                                                                         (US$1495 per person)                                           Disclaimer: The organisers reserve the right to
registering at the same time)                                                                                                                                       alter the programme as necessary. Times are also
                                                                                                                                                                    subject to change. Speaker names are confirmed at
                                                                                                                                                                    time of going to press.
    PAYMENT DETAILS
                                                                                                                                                                    Data Protection: The information you have
                                                                                                                                                                    provided will be safeguarded by the Lafferty Group
       Credit or Debit Card (please tick as appropriate)                                                                                                            who will keep you informed of relevant conferences
       American Express                                MasterCard                           Visa                 Other __________________________________________   in the future. Please tick how you would like to
                                                                                                                                                                    receive future information      mail     email.
Card Number ________________________________________________________________________________________________________________________________________________
                                                                                                                                                                    We may wish to make your details available to
CVC/Security Number ____________________________________________________ Expiry Date____________________________________                                            sponsors of this particular event, or to other

Amount           ____________________________________________________________________________________________________________________________________               reputable organisations who may wish to contact
                                                                                                                                                                    you. Please tick this box    if you would prefer
Cardholder’s Name __________________________________________________________________________________________________________________________                        your details remain confidential. The Lafferty Group
                                                                                                                                                                    may also use your data to keep you informed of
Signature ________________________________________________________________________ Date____________________________________________________
                                                                                                                                                                    relevant products and services. If you object being
                                                                                                                                                                    contacted by telephone       mail      or email
       Please invoice (please supply billing address if different from delegate address)                                                                            please tick the relevant box.

         ____________________________________________________________________________________________________________________________________

         ____________________________________________________________________________________________________________________________________
                                                                                                                                                                     Marketing Code:


       I enclose a cheque (payable to ‘Lafferty Ltd’)

VAT: Please note that VAT will be added to your bill at the current UK rates for all UK
customers and for those EU customers not supplying a VAT registration number.

				
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