EHI Card Congress 2016

EHI Card Congress 2016 incl. Online and Mobile Payment 26. 27. April 2016 Plenary assembly hall & foyer of the former German Bundestag, Bonn www.kartenkongress.de

Welcome to the largest payment conference of the retail industry! Wider acceptance in retail, altered card issuing policies by the banks, customer reorientation the consequences of the fee cuts are becoming increasingly clear. Forward action is urgently required! Will mobile payments finally pick up steam? At the EHI congress Germany s leading bonus points programme launches its own solution and the Swiss colleagues of coop also show which way things might go. Thanks to convincing grass-roots work the German banks online means of payment has taken off now the first experiences are here. With themes like instant payments and the role of the fintechs as the new players in the payment systems market, we take up further topical developments that are exciting for the payment processes in retail too. Together with more than 650 participants you can look forward to top topical contributions by high-calibre speakers and good discussions! www.facebook.com/ehi.org www.twitter.com/ehi_org #ehikarte16

EHI Kartenkongress 2016 EHI Kartenkongress 2016 Day 1: Tuesday, 26. April 2016 09.30 a.m. Welcome and introduction by the team of moderators Horst Rüter Member of the management board, EHI Retail Institute, Cologne Olaf Schrage Manager IT/CIO, Deichmann SE, Essen Figures, data and outlook 09.45 a.m. Payment developments from a retail research point of view EHI Research: Payment and customer loyalty with and without cards Up-to-date results of the most representative survey on payment behaviour in the German retail industry Horst Rüter EHI Retail Institute, Cologne 11:00 Uhr Coffee break / Discussions 11.45 a.m. Payment developments from the viewpoint of the retail association Consequences of the regulation of payments by the EU and the German Federal Cartel Office, the future of national debit procedures (girocard and electronic direct debit), general conditions for online and mobile payments, opportunities and risks for the retail industry 12.15 p.m. Payment developments from the viewpoint of the credit services industry: strategies, solutions, products Demands on the credit services industry in a regulated payment environment and their solutions 1 p.m. Lunch / Discussion Planning and Expectations Participants: Joachim Fontaine Director Retail Banking, Bundesverband Deutscher Banken e. V. (BdB- Federal Association of German Banks), Berlin 2.15 p.m. Panel discussion Repositioning after the fee cut? Reactions of the schemes, issuers, consumers and acceptance points to the capping of the debit and credit card fees Oliver Luecke Non- cash Transaction Manager, Aral/BP, Bochum/ Hamburg Frank-Christian Pauli Finances team expert, Federation of German Consumer Organisations (VZBV) Pawel Rychlinski General Manager Germany & Division President Germany & Switzerland, MasterCard Europe, Frankfurt/Main. Dr. Tilo Schürer Head of product and portfolio management, DirektBank Service, Landesbank Berlin Dr. Markus Weber Managing director, Ingenico Payment Services, Ratingen Mobile payment in practice 3.15 p.m. Payback goes mobile payment The leading German bonus points programme extends its mobile offer with payment functionality Jan-Philipp Blome Managing director, real,- Digital Services GmbH Dominik Dommick Managing director, Payback GmbH, Munich Followed by a discussion: More than just paying Creating added value for the customer Bonus points, couponing, payment functionality, electronic sales receipt increase their attractiveness! Both for the customers and the retail businesses! Jan-Philipp Blome Managing director, real,- Digital Services GmbH Dominik Dommick Managing director, Payback GmbH, Munich Robert Herzig Treasury, head of POS- clearing/financial services, Metro AG, Düsseldorf 4:15 p.m. Coffee break / Discussion 4.50 p.m. girocard-contacless and -mobil The payment system by Dt. Banking industry is opened for the new technologies. All information about the pilot project Kassel and prospects... Matthias Hönisch Head of Cards, Bundesverband der Deutschen Volksbanken und Raiffeisenbanken e. V. (BVR), Berlin 5.10 p.m. Cross-channel mobile payment at the Coop Together with Twint a daughter of Post- Finance the Swiss commercial enterprise has set up an omnichannel payment system based on Bluetooth (POS) and QR-code (Web) with mobile couponing + loyalty! Focus on prepaid cards 5.40 p.m. Prepaid card fraud: attention required! Fraudulent use of prepaid credits has been troubling retailers for two or three years now. Despite considerable prevention measures fraud cases continue to occur. Summary of the first day Christoph Baumgartner Head of EFT, Coop Genossenschaft, Basel (CH) Thierry Kneissler CEO, TWINT AG, Bern (CH) Frank Horst Head of the research group Security/Inventory Discrepancies, EHI Retail Institute, Cologne Together with: Klaus Kühn Head of division Group Audit, EDEKA Minden-Hannover Stiftung & Co. KG, Minden 6.10 p.m. 6.30 p.m. Reception in the EHI Partner Lounge with the kind support of: Afterwards departure from the landing stage in front of the former German Bundestag for the: Ulrich Binnebößel Payment Systems Expert, Handelsverband Deutschland - HDE/German Retail Federation, Berlin Moderation: Olaf Schrage Manager IT/CIO, Deichmann SE, Essen 7.30 p.m. Cards Club Night aboard the MS RheinFantasie with the kind support of

EHI Kartenkongress 2016 EHI Kartenkongress 2016 Tag 2: Mittwoch, 27. April 2016 08.45 a.m. Welcome and introduction to the topics of the 2nd conference day Olaf Schrage Manager IT/CIO, Deichmann SE, Essen Data, facts, analyses about online payments 09 a.m. Online payment developments from a retail research viewpoint EHI Research: payments in e-commerce. Results of the fifth structural survey on the payment behaviour, the key players, the outlook and the trends in the German e-commerce market. Dorothee Frigge Project leader Online and mobile payment, EHI Retail Institute, Cologne Lars Hofacker Head of the research group e-commerce, EHI Retail Institute, Cologne Online payment in practice Very hands-on, good presentations, high-ranking speakers and audience. A well-balanced mix of retailers and service providers ekomi participants assessment of the 2015 congress 10 a.m. Payment in Multichannel Retail: opportunities and challenges Linking online and offline payment processes in Europe s largest electrical retailer Dr. Thomas Krabichler Financial Processes Multi-Channel, Media-Saturn-Holding GmbH, Ingolstadt 10.30 a.m. People want to buy not pay! Payment caught between outsourcing and optimum end-customer relations Instant payment/fintechs 11.45 a.m. Instant payments: time is money! The transmission of a payment notice and a transaction in seconds can lead to considerable simplification and acceleration for banks, retailers and customers. Digital payments as fast and secure as the exchange of cash expectations and current implementation Gerhard Bystricky Head of Product Development Payments, UniCredit Bank AG, München 12.15 p.m. Brief presentation of figo, MyBank and XCOM (with Kesh) Three fintech companies and their range of innovative services in the retail-credit industry-consumer triangle André Marseille Bajorat CEO, figo GmbH, Hamburg Kay-Hendrik Eichler Chairman, XCOM AG, Willich Moritz von Widekind Representative for Germany, Austria and Switzerland, MyBank, Frankfurt/Main Panel discussion: the future role of the fintechs in money transfers Thanks to their specialisation the fintechs are becoming increasingly important players in the field of payments: consequences, opportunities and risks for the retail industry Participants: Moderation: 12.45 p.m. André Marseille Bajorat CEO, figo GmbH, Hamburg Gerhard Bystricky Head of Product Development Payments, UniCredit Bank AG, München Kay-Hendrik Eichler Chairman, XCOM AG, Willich Robert Herzig Treasury, head of POS- clearing/financial services, Metro AG, Düsseldorf Moritz von Widekind Representative for Germany, Austria and Switzerland, MyBank, Frankfurt/Main Steffen von Blumroeder Division manager Banking, Financial Services & FinTechs, BITKOM e. V 09.30 a.m. Paying online straight from the current account a progress report The online payment system of the German Banking Industry Committee (Deutsche Kreditwirtschaft/DK) is on the market since the end of 2015. Experience of a pilot retailer (office direkt with online shops, amongst others from Haribo and Mars) and the latest from paydirekt Dr. Andreas Seegers Managing Partner, KSP Kanzlei Dr. Seegers, Dr. Frankenheim Rechtsanwaltsgesellschaft mbh, Hamburg Dr. Maximilian von Elsner CSO, BillPay GmbH, Berlin 1.45 p.m. Summary and outlook 2 p.m. End of conference / Snack lunch Werner Gasper Managing director/associate, office direkt Service Center GmbH Dr. Niklas Bartelt Managing director paydirekt GmbH, Frankfurt 11 a.m. Coffee break / Discussion

per fax: +49 221 57993-45 or online: www.kartenkongress.de I wish to attend the 2016 EHI Card Congress*: Full name: Company: Department/function: Address: Postal Code/Town/City: Phone: E-mail: Organiser EHI is a scientific institute of the retail industry. The more than 700 members of EHI include international retail companies and their industry associations, manufacturers of consumer and capital goods, and various service providers, among them numerous companies from the payments industry. We research topics relevant to the future of retailing, organise conferences and working groups, operate our own publishing house, and are partners of Messe Düsseldorf in staging EuroShop, the world s largest capital goods trade fair for the retail industry. Realisation EHI Retail Institute GmbH Spichernstraße 55, 50672 Köln Tel. +49 221 57993-28 (-48), Fax +49 221 57993-45 Date 26 April 2016: 9:30 a.m. 6:15 p.m. (followed by evening event) 27 April 2016: 9 a.m. 2 p.m. (followed by a snack lunch) Venue Plenary assembly hall of the former German Bundestag, Bonn, on the grounds of the World Conference Center (WCC); a multi-storey car park on the WCC grounds is available to the guests. Main entrance: Platz der Vereinten Nationen 2, 53113 Bonn-Gronau Parking: Karl-Carstens-Straße / 53113 Bonn-Gronau Please complete if the invoice address is different: Company: Address: Postal Code/Town/City: Your order/po number: The company is a member of EHI Handelsverband Österreich I will participate in the evening event of 26 April 2016: yes no Date Signature * Registrations are binding. When you register you automatically accept the terms of participation. Programme subject to change Fast track registration: www.kartenkongress.de You can also register conveniently by smartphone UNTERWEGS MIT ÖKOSTROM Conference languages German/English (simultaneous translation) Congress fee/terms of participation: The congress fee is 1,195 (plus VAT) and includes congress materials, lunch on the first and snack lunch on the second day, coffee/refreshments in the foyer during the congress. The fee also includes participation in the evening event on 26 April 2016. For participants from member companies of EHI Retail Institute e. V. and Handelsverband Österreich a reduced fee of 995 (plus VAT) applies. Registrations can be cancelled up to 14 days before the beginning of the event for a processing fee of 50 (plus VAT). If cancellation is made 7 to 14 days prior to the event, half the congress fee will be charged; after that and in case of non-appearance, the full congress fee will be due. If a paying substitute participant is designated, the registration will be changed to that person s name and no fee will be charged. Congress fees shall be paid prior to the event after receipt of invoice, without any deductions Eco-friendly journey with the Deutsche Bahn: By train to the EHI Card Congress 2016 with 100% eco-friendly power. Return trip from 99. Bookings: +49 (0)1806-31 11 53 (password EHI ) For additional information: www.kartenkongress.de/anreise Accommodation For the participants a limited quota of rooms in various price categories is available in the vicinity of the venue. It is advisable to make an early reservation. For room reservations please contact H.U.T.-Hotelreservierungs- und Tagungsmanagement GmbH, Cologne, tel.: +49 221 292592-30, E-mail: Juliane.hensch@hut-gmbh.net Organisation Horst Rüter (concept/content/implementation), Sarah Levin (accompanying exhibition/sponsoring), Petra Sieling (information/registration)

We thank the principal sponsor for his support: With the additional support of: Other partners: Messepartner: HANDELSVERBAND Verband österreichischer Mittel- und Großbetriebe des Handels Media partners: Banking Automation BULLETIN Published by RBR since 1979