2 May 2013 | TransacTion trends

Electronic Transactions Association 2013 Board of Directors

A Message from ETA’s CEO

OFFICERSKim Fitzsimmons, President CEOCynergy Data

Holli Targan, President-ElectAttorney and PartnerJaffe, Raitt, Heuer & Weiss, PC

Debra Rossi, TreasurerEVP, Wells Fargo & Company

Greg Cohen, SecretaryChief Revenue & Strategy Officer Merchant Warehouse

Eddie Myers, Past PresidentPresident & COOPayPros

DIRECTORS

Robert BaldwinVice ChairmanHeartland Payment Systems, Inc.

John BarrettSVP, SalesFirst Data

Chuck HarrisPresidentNetSpend

Joan HerbigCEOControlScan

Chris HylenSVP & GM Intuit

Jennifer MilesPresidentVeriFone Americas

Mike PassillaPresident & CEOElavon

Jeff RosenblattPresidentEVO Payments Int’l

Kurt StrawheckerManaging PartnerThe Strawhecker Group

ADVISORSKevin Jones President & CEOAnovia Payments

Steve KlebeBusiness DevelopmentGoogle, Inc.

Chris LeePresident NA Strategic Partnerships & Emerging MarketsMoneris Solutions

Tracy ManningDirector, mCommerceAT&T Mobility Consumer Marketing

John PriorePresident & CEOPriority Payment Systems

Jeff SloanPresidentGlobal Payments, Inc.

Steve CarnevaleGroup Head, U.S. Market Development, U.S. MarketsMasterCard Worldwide

Jan EstepPresident & CEONACHA

Sameer Govil Head of Acceptance Solutions, Global AcceptanceVisa, Inc.

Ed JaySVP & GM, Small Merchants ServicesAmerican Express

Peter KarpasVP & GM North America SMBPayPal

Jason OxmanCEOElectronic Transactions Association

Gerry WagnerVP, Global AcceptanceDiscover Financial Services

EX-OFFICIO

LEGAL COUNSEL

David Goch (Dave) Attorney at LawWebster, Chamberlain & Bean

Welcome to the 2013 ETA Annual Meeting & Expo! I am so glad you’re here with us in New Orleans for what promises to be our best and most memorable event yet.

This year’s conference brings together innovators from around the world as well as organizations from every corner of the increasingly diverse payments sector. You will benefit from our top-notch program, part of the largest and most dynamic exhibition in the industry, and plenty of opportunities for business to business networking. In other words, the ideas, the solutions, and the partners you’ll need to compete in an evolving business environment.

You’ll hear from industry leaders such as David W. Nelms, Chairman and CEO, Discover Financial Services and Michael Abbott, CEO of ISIS, who will provide you with further insight into the future of payments and the opportunities that await you. You will also get a chance to learn from experts on sales, technology, government affairs and social payments during our educational sessions.

This year’s EXPO hall hosts our largest and most diverse group of vendors to date. Browse the cutting edge products and services of our more than 200 exhibitors and make sure to stop by our new Mobile Pay Zone, an exhibit pavilion focused on leaders in the dynamic mobile payments industry. Also new this year is our Payments Next Zone, a showcase for innovative startups to display new payment technologies that serve global consumers. A grant from the Bill & Melinda Gates Foundation is funding the $10,000 E-Pay Innovation Award for the most innovative startup.

All of us at ETA designed the conference to have something for everyone — whether you are a new entrant to the payments industry or a seasoned expert. So dive into the sessions, soak up the speeches, tour the exciting new technologies in our exhibit hall, and don’t forget to save some energy for the networking events.

Sincerely,

Jason Oxman CEO

ETA 2013 Annual Meeting & Expo Onsite Program TransacTion trends | May 2013 3

Darrel Anderson, EVP, Sales and Business Development, CSR

Todd Ablowitz, President, Double Diamond Group

Tony Abruzzio, VP, Merchant Sales, Isis

Shannon Andrade, CPP, Sales Training and Communication Manager, Merchant Warehouse

Marc Badalucco, Director, Issuing & Alternative Payments, Impact Payments Recruiting

Greg Cohen, Chief Revenue and Strategy Officer, Merchant Warehouse

Brad Daniel, President, Real Local Pages

Jim Bibles, VP, Business Development, Aperia

Derek Depuydt , Owner, Lone Palm Consulting

Ralph Dangelmaier, CEO, BlueSnap

Randy Gainer, Partner, Davis Wright Tremaine LLP

Gary Glover, Director of Security Assessment, SecurityMetrics

Heather Foster, VP, Marketing, ControlScan

Sean Harper, Product Management, Groupon

Brian Goudie, SVP, North American Acquiring, First Data

Stephen Gerson, Managing Director, Wells Fargo Securities

Liz Pike, Director of Sales & Development, Prolific Business Solutions

Bill Ramsey, VP and General Manager of Mobile Payments, Apriva

David Sharp, SVP, Business Development, PaySimple

Harry Smorenberg, CEO, Smorenberg Corporate Consultancy

Stuart Taylor, VP Product Management & Marketing, ID Tech

Jeff Reich, Chief Risk Officer, LayeredTech

Deana Rich, Founder & President, Rich Consulting

Michelle Tinsley, Director, Transactional Retail, Retail Solutions Division, Intel Corporation

Patty Walters, SVP, Merchant Products and Security, Vantiv

Allen Weinberg, Managing Partner, Glenbrook Partners

Mary Winingham, Senior Consultant, Planet Group

Greg Leos, VP, Sales and Business Development, North America, ControlScan

Troy Leach, Chief Technology Officer, PCI Security Standards Council

Rob Leach, Executive VP, G2

Marla Knutson, President, Financial Institution, TransFirst

Ned May, VP, Morgan Stanley Private Equity

Marc Massar, Principal Solutions Architect, VeriFone

Randy Burnette, VP, North America Application Development, VeriFone

Troy Bernard, Global Head - Chip Payments, Discover

Larry Berlin, First Analysis Corp.

Henry Helgeson, CEO, Merchant Warehouse

Neil Kapur, Business Development Associate, Adaptive Payments

Pranay Kapadia, Head of Product Management for Mobile Payments and Point of Sale, Intuit

Dave Kiminsky, Senior Analyst, Mercator Advisory Group

2013 Speakers

ETA 2013 Annual Meeting & Expo Onsite Program4 May 2013 | TransacTion trends

Sche

dule

At a

Gla

nce

Additional Fee Invitation-Only E Education Session

Monday, APRIL 298:00 am – 5:00 pm Registration Open

9:00 am – 12:00 pm ETAU: Introduction to Electronic Processing Room 211

ETAU: Acquiring Payments Risk/Fraud Management Tactics and Trends

Room 212

9:00 am – 2:00 pm ETA Board Meeting - Board Members Only Hilton-River Room

1:00 pm – 4:00 pm ETAU: Introduction to Operations Room 211

ETAU: PCI Fundamentals for the Small Merchant Room 212

2:30 pm – 5:15 pm Industry Relations Meeting - Committee Outreach Members Only Hilton-Compass Room

Tuesday, APRIL 307:00 am – 7:30 pm Registration Open

7:30 am – 5:00 pm Mobile Payment Innovations Great Hall B

8:00 am – 1:00 pm ETA Golf Tournament - English Turn Golf Course Buses depart from the Hilton Riverside at 6:30 amSponsored by SecurityMetrics

English Turn Country Club, New Orleans

8:30 am – 12:00 pm Industry Relations Meeting - Committee Outreach Members Only Hilton-Compass Room

8:30 am – 4:30 pm Compliance DaySponsored by SecurityMetrics, Trustwave, G2 Web Services, The Strawhecker Group

Room 208 - 210

8:30 am – 4:30 pm EMV Day Room 220 - 221

8:30 am – 4:30 pm Investment Community Forum Room 206/207

9:00 am – 12:00 pm ETAU: Introduction to Sales and Marketing Room 211

12:00 pm – 1:00 pm ETA CPP LuncheonSponsored by Merchant Bankcard

Room 217

1:00 pm – 4:00 pm ETAU: Introduction to Technology Room 211

ETAU: Sales Channel Development Room 212

4:30 pm – 5:30 pm New Member ReceptionSponsored by NPC, a Vantiv Company

Room 217

5:30 pm – 7:30 pm Opening Reception / Exhibit Hall Hall B

7:30 pm – 10:00 pm ETA President’s Dinner & Star AwardsSponsored by Visa

Great Hall A

2013 Annual Meeting Planning and Programming Committee

Michelle Daughtry, Chair Real Local Pages

E. Drew Soinski, Vice Chair Planet Payment

Charmaine ClayWells Fargo Merchant Services

Gigi Fonteneaux Discover Network

Carrie HomethRocketPay

Kevin KiddAxia Payments

Susie MaxwellJustified Data Security

Peggy OlsonStrategic Marketing

Linda RossettiBluestone Payments

Robin RotzApriva

www.starmicronics.com

Star Micronics America, [email protected]

© 2013 Star Micronics America, Inc. All Rights Reserved. All trademarks are property of their respective owners. Specifications are subject to change without notice.

iOS Compatible Portable and Desktop PrintingSolutions for the Payment Processing Industry

0

■ 2"/ 58mm Portable Printer■ High Speed: 80mm/second■ 33% longer battery life■ Bluetooth SPP / Serial Connections Available■ Backlit LCD Display■ Apple MFi Certified – Pairs with all Bluetooth

SPP devices as well as iPad®, iPhone® and iPod® touch

SM-S220i 2” Portable Bluetooth Printer

■ High Speed: 300mm/second■ Highly Reliable Auto Cutter■ Bluetooth SPP / Serial Connections Available■ Includes Installation CD with Full Driver Suite and

Configuration Utility

■ Apple MFi Certified - Pairs with all Bluetooth SPPdevices as well as iPad®, iPhone® and iPod® touch

TSP650II BTi Desktop Bluetooth Printer

Compatible with all Operating Systems supporting Bluetooth SPP

Revolutionary portable Bluetooth printers compatible with all operating systems (iOS, Android™,Windows®) including devices such as the Apple iPad®, iPhone® and iPod touch®. Compatibilitywith iOS is a result of Apple Inc.’s MFi certification of the SM-S220i portable printer and TSP650IIBTi desktop printer.

Star offers mobility to POS whether fixed terminals or mobile printing solutions are used. Fromsimple integration of iOS devices with fixed POS terminals in retail or hospitality applications to mobileprinting solutions for deliveries, restaurant / café table service, event ticketing and mobile payments.

Join the mobile revolution now!Integrate Star by calling 855-809-2010

Visit Star’s booth #145 atETA for achance to winan iPad mini

www.starmicronics.com

Star Micronics America, [email protected]

© 2013 Star Micronics America, Inc. All Rights Reserved. All trademarks are property of their respective owners. Specifications are subject to change without notice.

iOS Compatible Portable and Desktop PrintingSolutions for the Payment Processing Industry

0

■ 2"/ 58mm Portable Printer■ High Speed: 80mm/second■ 33% longer battery life■ Bluetooth SPP / Serial Connections Available■ Backlit LCD Display■ Apple MFi Certified – Pairs with all Bluetooth

SPP devices as well as iPad®, iPhone® and iPod® touch

SM-S220i 2” Portable Bluetooth Printer

■ High Speed: 300mm/second■ Highly Reliable Auto Cutter■ Bluetooth SPP / Serial Connections Available■ Includes Installation CD with Full Driver Suite and

Configuration Utility

■ Apple MFi Certified - Pairs with all Bluetooth SPPdevices as well as iPad®, iPhone® and iPod® touch

TSP650II BTi Desktop Bluetooth Printer

Compatible with all Operating Systems supporting Bluetooth SPP

Revolutionary portable Bluetooth printers compatible with all operating systems (iOS, Android™,Windows®) including devices such as the Apple iPad®, iPhone® and iPod touch®. Compatibilitywith iOS is a result of Apple Inc.’s MFi certification of the SM-S220i portable printer and TSP650IIBTi desktop printer.

Star offers mobility to POS whether fixed terminals or mobile printing solutions are used. Fromsimple integration of iOS devices with fixed POS terminals in retail or hospitality applications to mobileprinting solutions for deliveries, restaurant / café table service, event ticketing and mobile payments.

Join the mobile revolution now!Integrate Star by calling 855-809-2010

Visit Star’s booth #145 atETA for achance to winan iPad mini


Wednesday, MAY 18:00 am – 9:00 am Voting Representatives Meeting Great Hall B

8:00 am – 9:00 am Continental Breakfast Great Hall Pre-function

8:00 am – 6:00 pm Registration Open

9:00 am – 10:15 am Keynote Presentation: Michael Abbott, CEO, IsisSponsored by Isis

Great Hall A

10:30 am – 6:00 pm Exhibit Hall Open Hall B

10:30 am – 11:00 am Beverage Break: Exhibit Hall Exhibit Hall

11:00 am – 12:00 pm E: To Aggregate, or Not to Aggregate PRODuCT/SOLuTIONS TRACK Session Room 1

E: Am I Making any Money? How to Evaluate your Portfolio and Profit Beyond the MID FINANCE & PROFITABILITy TRACK

Session Room 2

12:00 pm – 1:00 pm Lunch / Exhibit HallSponsored by Isis

Hall B

12:00 pm – 1:30 pm ISO Luncheon Great Hall B

1:30 pm – 2:30 pm Keynote Presentation: David Nelms, Chairman & CEO, Discover Financial ServicesSponsored by PayPal

Great Hall A

2:30 pm – 3:00 pm Beverage Break: Exhibit Hall Hall B

2:45 pm – 3:45 pm E: Who Do You Think You Are? The Value of Brand Equity to Your Business SALES/MARKETING TRACK

Session Room 1

E: Financing Your Future, Debt Equity and Acquisitions FINANCE & PROFITABILITy TRACK

Session Room 2

3:30 pm – 5:00 pm ETA Small Merchant PanelSponsored by American Express

Room 210

4:00 pm – 5:00 pm E: How to Recruit, Train & Retain SALES/MARKETING TRACK Session Room 1

E: EMV is Coming…What ISOs Need to Know Session Room 2

5:00 pm – 6:00 pm Happy Hour / Exhibit HallSponsored by Global Payments

Hall B

6:00 pm – 8:30 pm ETA / Discover Party Buses depart from the convention center at 6 pmSponsored by Discover

The Bourbon Vieux

Thursday, MAY 28:00 am – 11:00 am Registration Open

8:30 am – 10:00 am Mobile Payments Committee Room 207

9:00 am – 1:00 pm Exhibit Hall Open Hall B

9:00 am – 10:00 am Champagne and Beignets Breakfast / Exhibit HallSponsored by Apriva

Hall B

8:45 am – 9:45 am E: The New Payments Paradigm: How Payment Start-Ups Will Change Our Industry PRODuCT/SOLuTIONS TRACK

Session Room 1

E: Expanding Globally Session Room 2

10:00 am – 11:00 am E: Government Panel Session Room 1

11:15 am – 12:15 pm E: A Mobile Revolution in Retailing PRODuCT/SOLuTIONS TRACK Session Room 1

E: NFC vs. Cloud: The Best Method to Engage Customers and Increase Sales PRODuCT/SOLuTIONS TRACK

Session Room 2

11:15 am – 12:15 pm Government Relations Committee - Committee Members Only Room 205

12:00 pm – 1:00 pm Lunch / Exhibit Hall Hall B

Schedule At a G

lance

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Welcome Reception for New Members, First Time and International AttendeesTuesday, April 30 4:30 pm – 5:30 pm | Room 217

This invitation-only reception is a great way to get acquainted with the ETA community. Attend this session to learn how to get the most

out of the meeting from those who have been here before. ETA’s board, volunteers and staff will be on hand to extend a warm welcome.

ETA Golf Tournament Tuesday, April 30 English Turn Country Club New Orleans

8:00 am Shotgun Start

ADDITIONAL FEE REQUIRED

Sponsored by:

Jack Nicklaus created eighteen unique championship holes surrounded by an expansive waterway. At English Turn each hole is different. There were no architectural cookie cutters here, and no holes designed merely to divide residential areas. Each English Turn hole challenges you with its own personality. The greens are notoriously undulating, challenging yet fair for club members and pros alike. The famed 18th of English Turn was consistently rated one of the most challenging on the PGA Tour. Norman. Faldo. Love. Couples. They’ve all taken a swing at English Turn’s 7,078-yard track and come away with a bit more respect for the award-winning Jack Nicklaus-designed 18-hole layout.

Buses depart the Hilton Riverside at 6:30 am. Continental breakfast and lunch will be provided at the course. Club rentals are $50. If you need to reserve clubs, please specify mens / ladies, left or right handed in an e-mail to Van Voss: [email protected].

Sponsored by:

Sponsored by:

Networking Events

Opening Reception in the Exhibit Hall Tuesday, April 30 | 5:30 pm – 7:30 pm

This is the one event where you’re sure to see everyone! Step inside the industry’s premier exhibit hall to visit more than 180 vendors ready to showcase their latest products and services. Don’t miss ETA’s only international trade show – your unparalleled opportunity to connect with the industry’s leading suppliers and partners.

ETA President’s Dinner & Star AwardsTuesday, April 30 | 7:30 pm – 10:00 pm Great Hall A | ADDITIONAL FEE REQUIRED

Join us as we recognize the outstanding individuals and organizations that have contributed to the success of ETA and the payments industry. We hope to see you there!

ISO Disruption Luncheon – Mobile Technologies Wednesday, May 1| 12:00 pm – 1:30 pm | Great Hall B

The payments landscape continues to evolve and mobile endpoints are challenging industry participants to find ways to address these new markets where merchants and consumers are interacting in new and different ways. They contain pitfalls and great opportunity all at the same time.

From tablets, to the cloud, technology is here to stay and will dictate who actually owns the merchant relationship.

The ETA ISO Practices Committee is sponsoring a panel discussion with industry leaders around their points of view on these technologies and the effects they are having on the ecosystem. ISO Practices Committee member, Brian Goudie of First Data, will moderate what promises to be an informative and provocative discussion with four industry panelists. Boxed luncheon provided.

Our panelists include.

Marc Abbey, Managing Partner, First Annapolis Consulting

Marc Gardner, President and CEO, North American Bancard

Phil Kumnick, Head of Global Acquirer Processing, Visa

Robin Leidenthal, Group Manager, Partnerships Intuit Merchant Services

ETA Small Merchant Panel Wednesday, May 1

3:30 pm – 5:00 pm | Room 210

Panel will examine small merchant issues and opportunities in rapidly evolving payments landscape.

Sponsored by:

ETA CPP Luncheon Tuesday, April 30 12:00 pm – 1:00 pm | Room 217

During this invitation-only luncheon for ETAU attendees and current ETA CPPs, hear from ETA CPP Committee members and ETA CPPs about the benefits of earning your ETA CPP credential, how having the credential has helped both the individual and their company, and how the credential is gaining wider recognition by the merchant community.

Sponsored by:

www.mbncard.com 1-877-771-4629


Sponsored by:

Sponsored by:

Continued from previous page

Engage with the Innovators

SAVE THE DATE

October 15-17, 2013

Montelucia Resort &

Spa, Scottsdale, AZ

Capitalize on the knowledge of hundreds of frontline leaders, business visionaries

and senior level professionals who are advancing the payments industry — Top

Executives at the nexus of technology, mobile, and e-commerce will share smart

techniques and explore the next generation of innovative ideas.

S t r a t e g i c Leadership Forum 2013

Happy Hour in the Exhibit Hall Wednesday, May 15:00 pm – 6:00 pm

Join your colleagues in the exhibit hall for drinks, hors d’œuvres, and

the opportunity to learn about the latest products and technologies.

ETA/Discover Party Wednesday, May 16:00 pm – 8:30 pm The Bourbon Vieux, 503 Bourbon Street

Book your dinner reservations after 8:30 pm and wind down your Wednesday with a drink and conversation with some new acquaintances and old friends. Head straight to Bourbon Street after the conference to join this year’s party sponsored once again by Discover.

Grab your invitation and orange beads at Discover booth #120 and hop on the first bus outside of the New Orleans Convention Center at 6 pm. Or if you are ready for some fresh air, it is only a 1.5 mile walk to The Bourbon Vieux, located at 503 Bourbon Street. Bourbon Vieux boasts the largest covered balcony on Bourbon Street, where you can appreciate the spirit of the French Quarter in historic New Orleans. We

will have plenty of great New Orleans food and drinks starting on the first floor restaurant while The Dirty Dozen Brass Band will be playing their YouTube favorites upstairs.

Head outside on the balcony and greet the rest of the attendees from ETA as they arrive. But this party will only last from 6:00 – 8:30 pm so don’t miss it!

Bus departures will run continuously until 7:30 pm and a walking map will also be available. Keep a lookout as ETA and Discover unveil more details about the “best place to be and be seen” event during ETA.


Michael Abbott, CEO, Isis Wednesday, May 1, 9:00 am – 10:15 am | Great Hall A

Keynote Speakers

The Mobile Commerce Revolution

The mobile commerce revolution has begun. Isis’ CEO Michael

Abbott will share his vision for the future and how together we

can make mobile commerce a reality.

As CEO, Michael Abbott leads Isis’s efforts to convene all necessary

stakeholders and enable mobile commerce on a national scale,

significantly modernizing the shopping experience and changing

the way consumers pay and save.

Before joining Isis, Abbott spent nearly a decade with GE Capital.

As CMO of the retail consumer finance division, he led strategy,

marketing and product development for a host of world-class

retail partners. Abbott helped transform GE Capital’s private label

cards division into a multi-product business driving billions in

retail sales.

Prior to this, he launched

a series of successful

new card products

as FleetBoston’s

Executive Vice President

of Marketing for credit card services. Abbott was also a

partner at Mitchell Madison Group, where he built the firm’s

telecommunications practice and optimized mobile networks

for major domestic and international financial services firms.

Additionally, he analyzed electronic warfare intelligence

data at Syracuse Research Corporation and conducted

primary research for IBM Research’s super-computer and

communications group.

David Nelms, Chairman & CEO, Discover Financial Services

Sponsored by:

Wednesday, May 1, 1:30 pm – 2:30 pm | Great Hall A

Big Change and Pocket Change: Staying Ahead of Change in the Payments Industry

The current environment in the payments industry is character-

ized by rapid changes in technology, players, regulation, consum-

er behavior and more — all of which make it difficult to see a clear

path to the future. But ours is not the first industry to undergo

significant change, and past experience shows that change leads

to new opportunities for those who adapt, while those who don’t

adapt risk being left behind.

Against this backdrop, Discover Chairman and CEO David Nelms

provides a unique perspective on the factors that are most

likely to determine the future of the payments industry, as well

as thoughts on how to take advantage of current changes and

succeed in the future.

David W. Nelms is Chairman of the Board of Directors and

Chief Executive Officer of Discover. He is responsible for all

Discover® branded financial services, including credit cards

and banking products,

including Discover

Student Loans and

Discover Home Loans;

the Discover Network,

a comprehensive

payments network that

supports multiple card

products, issuers and

processors; PULSE, one of

the nation’s leading PIN

debit networks; and Diners Club International, a global payments

network. He is also Chairman of Discover Bank, the issuing bank

for the Discover card brands.

Before his appointment at Discover in September 1998, Mr. Nelms

served as a Vice Chairman of MBNA America Bank. Prior to that,

he held management positions at Progressive Insurance, General

Electric Company and in the consulting industry.

Sponsored by:


Pre-conference Events

Tuesday, April 308:30 am – 4:30 pm Room 208 - 210


ETA’s Compliance Day is your opportunity to get critical information on compliance, learn about new standards, card company rules and mandates, and speak one-on-one with experts from the card brands and other compliance space entities to get the answers to your questions. Learn how to more fully comply with industry requirements and provide higher quality service and assistance to clients and merchants in an increasingly complex and competitive regulatory environment.


Monday, April 299:00 am – 12:00 pm• Introduction to Electronic

Processing Room 211

• Acquiring Payments Risk/Fraud Management: Tactics & Trends Room 212

1:00 pm – 4:00 pm• Introduction to Operations

Room 211

• PCI Fundamentals for the Small (Level 4) Merchant Room 212

Tuesday, April 309:00 am – 12:00 pm• Introduction to Sales &

Marketing Room 211

1:00 pm – 4:00 pm• Introduction to

Technology Room 211

• Sales Channel Development Room 212

More Education Sessions >>

Sponsored by:

Tuesday, April 308:30 am – 4:30 pm Room 207


The Investment Community Forum is a one-day conference designed to bring the payments industry together with investors and investment companies that can help fund the innovation and entrepreneurial energy that drive the future of payments.

We’ve gathered some of the most successful investors active in the payments space, backed up by top executives from some of the best companies in our business, who will make the case as to why inves-tors should seriously consider electronic payments as a key part of their investment strategies.

All Pre-Conference Programs below are Eligible for up to 6.5 ETA CPP Continuing Education Credits.


Tuesday, April 307:30 am – 5:00 pm | Great Hall B

ADDITIONAL FEE REQUIREDMOBILE PAYMENT INNOVATIONS

Breakthrough Business and Technology Solutions that Transform Payment Processing and Accelerate Adoption

For the first time ever, the Electronic Transactions Association and Strategic Solutions Network, the creators of the industry-renowned Mobile Contactless Payment Innovations series of events, have partnered to fill a crucial need in the mobile arena and present Mobile Payment Innovations 2013.

Participants have the exclusive opportunity to hear actionable business information that can be applied to your organization today. A speaker faculty representing a cross-section of players within the ecosystem helps attendees understand how the industry effectively works together to facilitate mobile payment adoption and demonstrates the latest strategic, sustainable business opportunities available via the

Tuesday, April 308:30 am – 4:30 pm | Room 220 - 221

ADDITIONAL FEE REQUIREDEMV DAY

Pre-

conf

eren

ce E

vent

s

ETA’s EMV Day, sponsored by MasterCard Advisors, will help industry participants prepare to implement EMV in the U.S. Acquirers, ISOs and VARs are uniquely positioned to facilitate this transition and combat counterfeit fraud.

During the one-day session, MasterCard Advisors will address key topics designed to educate and prepare attendees to effectively plan for EMV implementation. Focus areas include:n EMV fundamentalsn Terminal type selectionn The Durbin effect on EMV debit routingn Key success factors for EMV implementation o POI Roadmap requirements

All Pre-Conference Programs below are Eligible for up to 6.5 ETA CPP Continuing Education Credits.


The ETA is a

great venue

to strengthen

relationships,

establish new

contacts – and

make things

happen!

2012 ETA Annual Meeting & Expo Attendee

mobile channel. Faculty members present their candid insights and experiences from a thought leadership perspective, rather than using the summit as a platform to deliver commercial presentations and simply sell their products.

Reserve your place and be part of this unprecedented event where everyone in the mobile payments and commerce space will collaborate and determine how to grow their businesses in 2013.

o EMV terminal management o Terminal certification testing and test tools o Merchant on-boardingn Acquirer resource optimization and EMV

terminal roll-out planning

After attending this full-day session, your knowledge base will include critical success factors to manage your organization’s EMV implementation, as well as a roadmap and financial model to guide EMV terminalization investment and deployment by merchant category and geography.

ETA President’s Dinner and Star Awards are Sponsored by:

President’s DinnerKim Fitzsimmons

Board President, Electronic Transactions Associationand

Jason OxmanCEO, Electronic Transactions Association

cordially invite you to attend the

2013 ETA President’s Dinner and Star Awards

Tuesday, April 30, 7:30 pmErnest N. Morial Convention Center

Great Hall AVisit the ETA Registration Desk to purchase tickets on-site. $95/each.


Wednesday, May 1Ed

ucat

ion

Sess

ions 11:00 am – 12:00 pm

To Aggregate, or Not to Aggregate PRODUCT/SOLUTIONS TRACK

Session Room 1

Not that long ago, the idea of aggregating merchants under a single master merchant was taboo. But the card brand rules have changed. Today, disruptive in-novators and traditional industry players are shifting the paradigm of how payment transactions can be delivered using the aggregator model. Is it the right approach for your business? Can aggregation be the answer for clients looking for a simple payments solution for their customers? Join a panel of experts to learn about market opportunities and what it takes to tap into this alternative payments strategy, while effectively managing the risk and avoiding potential operational, regulatory and legal pitfalls.

Speakers:

Todd Ablowitz, President, Double Diamond Group

Ralph Dangelmaier, CEO & President, BlueSnap


Deana Rich, President, Rich Consulting

Am I Making any Money? How to Evaluate your Portfolio and Profit Beyond the MID FINANCE & PROFITABILITY TRACK

Session Room 2

How do you know if your business is actually making any money, and what can you do to reverse pressure on revenue from price compression? A solid profitabil-ity model goes a long way in helping you understand who your most profitable clients are, while adding new services to basic card processing can open up entirely new channels for growth that enhance both your reputation and your bottomline. Get hands-on, practical guidance in building a profitability model and learn tips on how to identify services of high im-pact and return that require little effort and expense.

Speakers:

Darrel Anderson, EVP, Sales and Business Development, CSR

Derek Depuydt, Owner, Lone Palm Consulting

Mary Winingham, Senior Consultant, Planet Group


Session Room 1 Sponsor: Session Room 2 Sponsor:

It would have taken two

months of conference calls

to accomplish what we did in

a day and a half on the trade

show floor.



Wednesday, May 1

2:45 pm – 3:45 pm

Education Sessions

Who Do You Think You Are? The Value of Brand Equity to Your Business SALES & MARKETING TRACK

Session Room 1

Businesses must continually strive to be relevant to their customers to ensure their success and continuity in times of economic difficulty. Brand identity is one of THE most important assets a business can own. Hear industry experts discuss creating and maintaining relevancy, brand loyalty, and high customer satisfaction during shifting economic times and a rapidly changing industry.

Speakers:

Brad Daniel, President, Real Local Pages

Marla Knutson, President, Financial Institution, Transfirst

Greg Leos, VP, Sales and Business Development, North America, ControlScan

Moderator: Greg Cohen, Chief Revenue and Strategy Officer, Merchant Warehouse

Financing Your Future, Debt Equity and Acquisitions FINANCE & PROFITABILITY TRACK

Session Room 2

Do you have the capital to grow your business, to develop that technology you’ve been planning on, to acquire a value-add business…to essentially take your business to the next level? As industry participants look ahead and plan for future expansion, they will necessarily consider their growth capital needs and whether they have the internal capital to achieve their goals…or whether they will need external sources of debt or equity. Our panel of experts will give you the inside scoop on where Wall Street and the financial markets are in general today, their top considerations in looking at deals, and what you should know as you consider your next steps in planning for growth.

Speakers:

Stephen Gerson, Managing Director, Wells Fargo Securities

Clayton Main, Goldman Sachs

Ned May, VP, Morgan Stanley Private Equity


Wednesday, May 1Ed

ucat

ion

Sess

ions 4:00 pm – 5:00 pm



How to Recruit, Train & Retain SALES & MARKETING TRACK

Session Room 1

Success in today’s marketplace requires top quality talent. Finding and building that talent requires a significant amount of financial and human resources, but it’s an investment that’s critical to the success of your business. How do you recruit top talent? How do you ensure their success? How do you keep them on board? Join our panel of industry recruitment experts to hear about proven recruitment and retention strate-gies, as well as innovative employee training strategies and tools.

Speakers:

Shannon Andrade, CPP, Sales Training and Communications Manager, Merchant Warehouse

Marc Badalucco, Director, Issuing & Alternative Payments, Impact Payments Recruiting

Liz Pike, Director of Sales & Development, Prolific Business Solutions

Moderator: Tony Abbruzio , VP, Merchant Sales, Isis

EMV is Coming…What ISOs Need to Know Session Room 2

After much debate and anticipation, the major card brands are expected to introduce EMV technology into the US in 2013. With such a dynamic shift, ISOs are certainly wondering how EMV can affect their business. For instance, what are the different risk scenarios and requirements that ISOs in various cat-egories need to consider? How does the liability shift affect ISOs differently, depending on their risk model? And certainly, how should ISOs sell EMV solutions?

Speakers:

Troy Bernard, Global Head - Chip Payments, Discover

Mike Cottrell, SVP, Chief Business Development Officer TriSource Solutions

Brian Goudie, SVP, North American Acquiring, First Data

Henry Helgeson, CEO, Merchant Warehouse

Moderator: Patty Walters, SVP, Merchant Products & Security, Vantiv

I feel more confident now that

I know the industry trends, and

how we can best capitalize on

our opportunities.


Thursday, May 2

8:45 am – 9:45 am

Education Sessions


The New Payments Paradigm: How Payment Start-Ups Will Change Our Industry PRODUCT/SOLUTIONS TRACK

Session Room 1

In most every industry, start-ups and entrepreneurs make the biggest waves in creative ways…and many times, change the face and direction of the industry. Many of the once-upon-a-time start-ups in our industry were game-changing companies. This session will bring together some of the most innovative new start-ups in our industry to discuss how they and other companies will change the way consumers and merchants view and utilize payments in commerce…and as a result, you will gather information critical to traverse through the ever-changing payments marketplace.

Speakers:

Mark Fischer, CEO, Co-Founder, Inspire Commerce

Neil Kapur, Business Development Associate, Adaptive Payments

David Sharp, SVP of Business Development, PaySimple

Expanding Globally Session Room 2

What do you do when your eCommerce customers start asking for merchant accounts that settle in Japanese Yen or Indian Rubles or Euro? What gateway strategies will help me meet multiple language requests? How can I leverage the local payment types that are so important in Germany or Canada or Russia? This panel presentation and discussion will address these practical discussions as well as give your business a glance into the five regions outside the US market.

Speakers:

Danny Chazonoff, COO, Optimal Payments

Luca Giannone, Head of Financial Services, Sofort

Abdul Naushad, CEO, PayCommerce

Markus Rinderer, CEO, PAY.ON

Session Room 1 Sponsor: Session Room 2 Sponsor:

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See Us At

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Thursday, May 2Ed

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ion

Sess

ions 10:00 am – 11:00 am

11:15 am – 12:15 pm


Government Panel Session Room 1

Join us for a discussion with the most influential professionals working on payments issues in the U.S. government. Learn what Congress needs to know about mobile payments; hear what initiatives are under way at the Federal Trade Commission’s Mobile Technology Unit, and discover how the Consumer Financial Protection Bureau views the prepaid, credit and debit card markets, the growth of mobile payments, and the

A Mobile Revolution in Retailing PRODUCT/SOLUTIONS TRACK

Session Room 1

Mobile retailing is changing the way people shop. Learn from traditional and non-traditional pay-ments players at the forefront of delivering and implementing market disruptive mobile solutions that cut operating costs, maximize revenue and build customer loyalty by enhancing the variety, convenience and personal services that motivate consumers to buy.

Speakers:

Josh Goines, Director, Business Operations, Retail Services, PayPal


Pranay Kapadia, Head of Product Management, Mobile Payments and Point of Sale, Intuit

Mark Self, VP, Solutions Marketing, Retail Industry, NCR Corporation

Michelle Tinsley, Director, Transactional Retail, Retail Solutions Division, Intel Corporation

NFC vs. Cloud: The Best Method to Engage Customers and Increase Sales PRODUCT/SOLUTIONS TRACK

Session Room 2

As consumers become more comfortable using mobile devices to make purchases and interact with retailers, merchants are seeking cost-effective vehicles to optimize these new dynamics. Although NFC-based technologies are the most commonly discussed components of mobile commerce, cloud-based mobile services also offer a multitude of features that help merchants find appropriate customers and deliver compelling offers that lead to sales. This session will examine the various elements that comprise both cloud- and NFC-based mobile marketing solutions, including prospecting, offer management, advertising, payments, security and loyalty. The session will demonstrate how merchants can leverage these technologies to deliver compelling experiences that can satisfy specific consumer preferences and give retailers numerous touch points with customers.

Speakers:

Bill Ramsey, VP and General Manager of Mobile Payments, Apriva

Stuart Taylor, VP of Product Management and Marketing, ID Tech

Moderator: Dave Kaminsky, Senior Analyst, Mercator Advisory Group

development of new payment technologies. Understand how business can bridge the gap between payments innovation and responsible stewardship of financial transactions.

Speakers:

Marla Blow, Associate Director, Cards & Prepaid Markets Division, Consumer Financial Protection Bureau

Patti Poss, Chief of the Mobile Technology Unit, Division of Financial Practices, Bureau of Consumer Protection, Federal Trade Commission

Moderator: Jason Oxman, CEO, ETA


I N 2 0 1 3

MOBILE PAY ZONE The one-stop shop for all things mobile!

The mobile economy is undergoing

expansive growth, creating exciting

opportunities to increase revenue for

all involved. ETA is proud to offer the

new Mobile Pay Zone this year at the

ETA Annual Meeting & Expo. The Mobile Pay Zone within

the exhibit floor will bring together a comprehensive

offering of mobile-based businesses and partners,

offering a targeted exhibiting opportunity to showcase

your company’s unique mobile innovations.

PaymENts NExt ZoNE: oPPoRtUNItIEs FoR staRtUPs

This new pavilion at the 2013 ETA Annual Meeting

& Expo is designed for small companies looking

to bring their innovative new electronic payments

technology product or service to market. The

Payments Next Zone will be the premier destination

at the show where media, venture investors and potential industry

partners can meet with startups to explore new ideas and innovations to

bring innovative financial services to market.

Sponsored by:


Browse the 2013 ETA Expo to find new partnerships, renew connections, and discover the industry’s latest products and services. There will be more than 100 vendors offering solutions to help you improve your effectiveness and provide you with the tools you need to prepare yourself for the future.

Tuesday, April 305:30 pm – 7:30 pm Opening Reception in the Exhibit Hall

Wednesday, May 110:30 am – 6:00 pm Exhibit Hall Open

10:30 am – 11:00 am Beverage Break in Exhibit Hall

12:00 pm – 1:00 pm Lunch in Exhibit Hall Sponsored by

5:00 pm – 6:00 pm Happy Hour in Exhibit Hall Sponsored by

Thursday, May 29:00 am – 1:00 pm Exhibit Hall Open

9:00 am – 10:00 am “Champagne and Beignets Breakfast” in Exhibit Hall Sponsored by

12:00 pm – 1:00 pm Lunch in Exhibit Hall

ETA Expo Hall

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Access Your Free App athttp://eventmobi.com/eta13/

For the latest Attendee, Sponsor, and Exhibitor information, be sure to download the ETA Mobile App!

Sponsored By

© 2013 VeriFone, Inc. All rights reserved. VeriFone, the VeriFone logo and VX are either trademarks or registered trademarks of VeriFone in the United States and/or other countries. All other trademarks or brand names are the properties of their respective holders. All features and specifications are subject to change without notice. Reproduction or posting of this document without prior VeriFone approval is prohibited. NBCUniversal is not a sponsor of this promotion and is not involved in the administration in any way.

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Visit www.verifone.com/celebrityapprentice for entry and rules.

ETA wishes to express appreciation to these sponsors who have generously supported the 2013 ETA Annual Meeting & Expo. For the latest sponsorship information, please go to http://www2.electran.org/am13/sponsors/

Sponsors

MEDIA PARTNERS

www.mbncard.com 1-877-771-4629

ETA On-Site Conference Program

Documents

Transcript of ETA On-Site Conference Program