Wednesday in Detail

Wednesday, May 21

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Session 431
Wednesday Continental Breakfast
Wednesday, 8:00 a.m. - 8:30 a.m.

Room: Grand Ballroom Prefunction

Session 433
The Revolution of Walk-In Payments
Wednesday, 8:30 a.m. - 9:30 a.m.
The Payments Biz
Room: 101-102

In the age of electronic payments, why do walk-in payments still need to be a part of your payments portfolio? This panel discussion attempts to answer this question and examine why walk-in payments, once thought to be a dying industry, are experiencing a resurgence. What's driving the revolution of walk-in payments? Why has speed of payment become so important? What are the growth trends, user demographics, and predictions for the future? How are the prepaid card and telecom industries in particular driving this industry? Why is walk-in still a staple for post-paid billers? How can you as a biller or financial institution benefit from adding this payment service to your portfolio? Hear from billers, financial institutions, retailers and processors about what they're experiencing in the marketplace today.

Speakers:
Gregory A. Waltz
VP, Strategic Planning, MoneyGram International
Heidi Brown
Operations Manager 1, DISH Network

Session 434
Examining Global Data Security
Wednesday, 8:30 a.m. - 9:30 a.m.
Global Focus
Room: 104-105

How do data security and privacy restrictions differ between the U.S. and the UK? Do these policies complement or contrast? Is the U.S. working with or against our allies overseas? What lessons can and should be learned with regard to these policies? Presenters will answer those questions and more in this thought-provoking session.

Speaker:
Jonathan Winer
Partner, Alston & Bird, LLP

Session 435
Community Bank Check Electronification Report Card
Wednesday, 8:30 a.m. - 9:30 a.m.
Check Electronification
Room: 106-107

New payment opportunities have emerged through Check 21 but have community banks stepped up to the plate? How are checks and ACH services growing among community banks? Are small and middle-market banks exploring new products based on check imaging and ACH-based check conversion? What impact does fraud have on check and ACH payments? Using information obtained by ICBA through its 2007 Payments and Technology Survey, presenters report on community banks' payments strategies, the importance of payments products, trends in imaging, the future of checks, and what matters most to them in the payments arena.

Speakers:
Deborah C. Isabella AAP, CCM
President, Isabella Associates
Samuel A. Vallandingham
Vice President, The First State Bank
L. Cary Whaley, III AAP
Associate Director, Payments Policy, Independent Community Bankers of America

Session 436
Making Your ACH Process Bulletproof: Fraud Prevention Best Practices
Wednesday, 8:30 a.m. - 9:30 a.m.
Automated Clearing House
Room: 109-110

Fraud is an issue that is constantly being grappled with by corporations and financial institutions alike. Presenters in this session review best practices of how banks and corporations can work together to prevent fraud, mitigate risk and ensure that the ACH system is utilized in the most effective manner. Presenters also review the mechanisms that banks utilize to combat fraud, including return item validation reporting, debit blocking, positive pay and UPIC. A case study is presented that takes a detailed look at the measures that corporations can take to prevent fraud from being introduced into the Network including upfront validation, enrollment and authorization.

Speakers:
Kristin S. Walle AAP, CCM
Manager, Treasury, ADP, Inc.
Karen Urbanovsky
SVP, ACH Operations Executive, JPMorgan Chase
David K. Vogt CTP
Treasury Operations Manager, PAYCHEX, Inc.

Session 437
Torne Identity: Preventing New Forms of Corporate Identity Theft
Wednesday, 8:30 a.m. - 9:30 a.m.
Corporate Payments Solutions
Room: 201-202

This session examines several recent horror stories about corporate identity theft including: how one company's account number was obtained online and used to purchase services of ill repute; how another company's banking information was used by an employee to fund personal accounts; and how yet another organization's account information taken from a payroll check was used to make credit card payments by phone. While tried-and-true bank services such as positive pay have been actively reducing fraud for many years, check conversion and electronic payments are presenting thieves with new opportunities and leading to emerging forms of fraud. Learn about next generation bank services, including proxy account numbers for both ACH and wires that can help companies protect against identity theft and proactively monitor and reduce fraud on emerging payment types.

Speakers:
Greg Hansen
VP, Product Manager, Wells Fargo
Bonnie Hertz CTP
Corporate Cash Manager, North Pacific Group

Session 438
Is There a Point of No Return?
Wednesday, 8:30 a.m. - 9:30 a.m.
Corporate Payments Solutions
Room: 204-205

With many banks offering multiple, and sometimes integrated payment conversion and clearing options, how has the returns process been impacted, and what does this mean for clients? This session looks at the changing dynamic of returned item reporting and the rules clients and banks should follow in this process. It details roles and responsibilities for identifying items which are ineligible for conversion, as well as the role clients and banks are playing in converting items from checks to images and electronic payments, and then sometimes even back to paper-based payments. Attendees learn what actions they, as clients, need to take once they see a converted item was returned, and hear about the kind of guidance banks should offer their clients in these complex areas.

Speaker:
Ted Gerbick
Product Manager, Cards, KeyBank

Session 439
NACHA's Business-to-Business Payments Strategy
Wednesday, 8:30 a.m. - 9:30 a.m.
Corporate Payments Solutions
Room: 301-302

While electronic B2B payments through the ACH continue to increase each year, the majority of B2B payments are still made by check. NACHA has defined a business payments strategy and is moving forward with proposed solutions to increase B2B payments via the ACH Network. This session presents the solutions under development and those that are contemplated to make the ACH Network a more viable consideration for business-to-business payments.

Speakers:
Alenka Grealish
Manager Director, Banking Services, Celent, LLC
Julie Hedlund AAP
Senior Director, Business Payments, NACHA - The Electronic Payments Association

Session 440
Forging the Links Among Payments, Deposit Growth & Customer Loyalty
Wednesday, 8:30 a.m. - 9:30 a.m.
The Payments Biz
Room: 304-305

Banks across the U.S. face a profit paradox: the current short-term focus on fees against the longer-term need for a payments strategy built on generating customer loyalty and overall relationship strength. This panel will explore how retail payments strategy can be integrated with broader deposit-growth and relationship-expansion strategies. Among the issues: What are the key emerging retail customer needs in payments? How does consumer usage of payment services impact the acquisition, retention and profitability of retail DDA and core deposit relationships? Has the trend of expanded rewards led customers to expert perks for doing business with their bank? What are the implications for banks of decoupling payments from deposit accounts? How should banks be positioning mobile in their payments strategies?

Speakers:
Debbie L. Bianucci
President & CEO, BAI
Hugh Gallagher
Senior Vice President, SunTrust Bank
Lee Manfred
Partner, First Annapolis Consulting

Session 442
Managing Cash Flow Across a Complex Supply Chain
Wednesday, 8:30 a.m. - 9:30 a.m.
Corporate Payments Solutions
Room: 318

As companies implement sophisticated supply chains to source material, manufacture products, and serve an international customer base, the Treasurer/Cash Manager must understand payment flows for the entire company, including payments initiated outside of the Treasury group. In order to make informed decisions on investment, borrowing and inter-company funding and transactions, the treasury staff must forecast, monitor, and reconcile an ongoing stream of payment transactions. The complexity of getting a clear corporate payment picture is multiplied by the number of incoming and outgoing payment streams, subsidiaries and operating divisions, and countries in which you do business. A new generation of Internet-based workstations is bringing secure and affordable technology to companies to provide the automation needed to obtain timely and consolidated information on all payment streams. Hear from a corporate practitioner who has used the old technologies and the new and learn which she prefers and why. Attendees learn to evaluate the pros and cons of various cash flow information automation tools on the market and determine which tools and technologies are most appropriate for their company and work processes.

Speakers:
Mariann Bullard
Assistant Treasurer, Grant Prideco, Inc.
Tleytmas Stephenson CTP
Vice President, Wells Fargo

Session 443
Leveraging Mobile Payments & Understanding its Evolution
Wednesday, 8:30 a.m. - 9:30 a.m.
The Payments Biz
Room: 319

Mobile payments are affecting all players -- networks, banks, merchants, consumers -- in the payments industry, as well as non-related players such as wireless carriers. The evolution of these payments presents an amazing opportunity for these companies to grow their businesses and enhance customer relationships. Javelin Strategy & Research has undertaken extensive consumer and industry research on the evolution of mobile payments over the past 2-3 years, and this session covers Javelin's analysis on that evolution, key action that various industry players need to take to capitalize on the opportunities, trends in consumer attitudes and preferences regarding mobile payments, and the value chain as a whole. Issues addressed include what the aforementioned constituents need to make this evolution widespread and what the actual benefits are of embracing the mobile payments.

Speaker:
Bruce Cundiff
Senior Analyst, Javelin Strategy & Research

Session 444
Examination of Retail Payment Systems
Wednesday, 8:30 a.m. - 9:30 a.m.
The Payments Biz
Room: 320

The FFIEC is updating its Retail Payment Systems booklet in recognition of the changing payments landscape. New electronic payments systems and technologies offer efficiency gains by allowing for rapid and convenient transmission of payment information among system participants. However, the emergence of a new payment mechanism can also enable the rapid propagation of fraud and operational disruption if data is compromised. The increased participation of nonbank third-parties in retail payments systems further challenges management of retail payments risk. This session is led by several of the examiners who authored the FFIEC booklet and they offer perspectives on how they examine payment systems such as ACH, Check 21, and Merchant Card Processing. They also discuss ways of improving credit and compliance risk processes for retail payments products, especially for the deployment of remote and Internet-based check and ACH capture systems.

Speakers:
Tony DaSilva AAP
Examiner, Federal Reserve Bank of Atlanta
Bob Kennedy
Director, Operations Risk, Federal Reserve Bank of Atlanta
Steven Pesek
Senior Examiner, Federal Reserve Bank of New York

Session 449
State of Compliance & Outlook for Credit Card Data Security
Wednesday, 9:45 a.m. - 10:45 a.m.
Card Solutions
Room: 101-102

Established in 2004, the Payment Card Industry (PCI) Data Security Standard (DSS) provides a global framework for securing credit card data through the entire information lifecycle. Driving compliance has not been easy and challenges remain. The credit card industry made significant strides in 2006 and 2007 by forming an independent body, the PCI Security Standards Council, which is chartered with maintaining and developing the PCI standard. This session provides an update on the PCI Data Security Standard, including the most recent initiatives undertaken by the Council and the credit card brands to drive adoption. An overview of common areas of non-compliance and effective self-assessments and PCI audits are examined.

Speakers:
Dave Howell
Senior Manager, Solutions Marketing, RSA, The Security Division of EMC
Jennifer Mack
Vice President, MasterCard Worldwide

Session 450
Demystifying ACH Payments to Canada
Wednesday, 9:45 a.m. - 10:45 a.m.
Global Focus
Room: 104-105

This session examines the existing payments landscape between the United States and Canada, as well as specific processing needs and legal requirements involved in sending ACH payments to Canada. The presenters highlight the similarities and differences between the two payments systems, ACH format differences to consider, and documentation requirements for originating cross-border recurring debits. In addition, the presenters explore potential future opportunities for ACH payments with Canada following the adoption of NACHA's IAT format, including ACH payments inbound into the United States.

Speakers:
Beth Bailey
VP, Payment & Internet Services, Scotiabank
Doug Kreviazuk
VP, Policy & Research, Canadian Payments Association
Elizabeth McQuerry
Assistant Vice President, Federal Reserve Bank of Atlanta

Session 451
A Winning Hand for the Aspiring AAP
Wednesday, 9:45 a.m. - 10:45 a.m.
Automated Clearing House
Room: 106-107

So, you are contemplating sitting for the AAP exam, but you are not quite sure if you will be ready? Are you intimidated by what it takes to earn and retain the accreditation? Increase your chances of being dealt a winning hand. Presenters in this session explain the purpose and value of the AAP designation and the continuing education process. Guidance is provided for exam preparation as is direction for acquiring the appropriate tutelage from your Regional Payments Association. Hear what to expect as NACHA launches electronic testing in 2008.

Speakers:
Jennifer Muche AAP
Director, Membership Services, WACHA - The Premier Payments Resource
Amy M. Steenbock AAP
Data Processor, Premier Community Bank

Session 452
Insights from NACHA as a Corporate Originator
Wednesday, 9:45 a.m. - 10:45 a.m.
Corporate Payments Solutions
Room: 109-110

As a small business, NACHA is confronted with many of the same challenges and barriers as other companies in its efforts to migrate its A/P from a primarily check-based process to one that chiefly employs ACH origination. In this unique session, NACHA's CFO and Secretary/Treasurer leverage NACHA's first-hand experience to explore the issues, considerations, decision points and opportunities for small businesses and their financial institutions to increase ACH origination. Insights and lessons learned are shared. Despite the best of intentions and full awareness of the benefits, it is a formidable task. Making the commitment to prevail with an eye on the end game is crucial.

Speakers:
Philip C. Ahwesh AAP, CCM
SVP, Receivables Management Network Manager, PNC Bank
Pamela B. Moore CPA
CFO & SVP, Administrative Services, NACHA - The Electronic Payments Assoc.

Session 453
The Risk of Irrevocable Settlements
Wednesday, 9:45 a.m. - 10:45 a.m.
The Payments Biz
Room: 201-202

The world of payments continues to change and evolve. Customers demand real-time solutions - from account decisions to expedited payments. Regulations are also beginning to demand real-time settlements as in the case of the UK Faster Payments initiative. In order to meet the demands, finanical institutions must first understand the risk associated with real-time irrevocable settlements. Will this just be another opportunity for criminals to profit from? This session explores the risks that arise from a new era of expedited payments and offers best practices for mitigating those risks.

Speaker:
Erik Stein AAP
Senior Director, Fraud Solutions, Fair Isaac Corporation

Session 454
International Shareholder & Employee Stock Plan Payments
Wednesday, 9:45 a.m. - 10:45 a.m.
Corporate Payments Solutions
Room: 204-205

Investors around the world are investing in cross-border stocks and as a result most large companies today have a global shareholder base. Also, as companies expand their operations globally, the population of expatriate employees and international participants in employee stock plans is increasing. With this trend comes the complexity of efficiently servicing these cross-border shareholders, making timely dividend distributions, and managing subscriptions and redemptions. The traditional approaches for servicing this segment have been inconvenient for recipients and a source of dissatisfaction due to delays and costs. Some of the leading stock plan providers have overcome these challenges and set up a streamlined cross-border shareholder payment solution. The solution offers features such as building in foreign exchange conversion capabilities within the payment engine, creating an end-to-end tracking system to ensure complete reconciliation of transactions, and providing access to multiple payment methods like wires, checks and ACH/ EFT to shareholders to provide choice and flexibility. This session examines some of these emerging solutions and presents a case study and resultant benefits in detail.

Speakers:
Sayantan Chakraborty
Vice President, Citigroup
Dave Schrohe
Managing Director, Corporate Client Group, Smith Barney

Session 455
EBIDS Transaction Report: Piloting Bill Delivery & Payment
Wednesday, 9:45 a.m. - 10:45 a.m.
Automated Clearing House
Room: 301-302

Billers in NACHA's EBIDS Pilot will soon be disseminating ebills and receiving corresponding credit payments via the ACH Network. This session reviews the EBIDS requirements for enrollment, bill presentment and payment, and will address the business and technical preparations of participating organizations. As transactions between the participants flow, panelists also discuss their experience to date with the EBIDS process, providing biller, financial institution and directory provider perspectives.

Speakers:
Rob Unger AAP
Senior Director, Network Services, NACHA - The Electronic Payments Association
Angeline DePauw
Director, Electronic Payments, Verizon Communications
Christopher Huppert
Senior Vice President, Wells Fargo
J. Michael Taipale AAP
Senior Payments System Consultant, Federal Reserve Bank of Cleveland

Session 456
Turn Your Luck Around
Wednesday, 9:45 a.m. - 10:45 a.m.
Automated Clearing House
Room: 304-305

In this session you hear from an ACH expert and a practitioner on the reversal of payroll credits. What are the ACH rules? Does your company comply? What hurdles may the corporate practitioner need to overcome when reversing payroll credits?

Speakers:
Mary Kate Cole AAP
Vice President, Upper Midwest ACH Association
Dee Nelson
Payroll Manager, Afognak Native Corp, Alutiiq LLC

Session 458
Overshooting the Mark: Is the Retail Payments Industry Ripe for Disruptive Innovation?
Wednesday, 9:45 a.m. - 10:45 a.m.
The Payments Biz
Room: 318

When companies offer products with more features than customer segments can absorb or will pay for, they are vulnerable to disruption. Are retail payments for consumers and merchants in overshoot and vulnerable to disruptive innovation? Toopics to be addressed include: Why the retail payments industry is in overshoot and vulnerable to innovations that change the competitive framework; how search-to-purchase is changing competition for the retail payments slice of a transaction; how retail payments players can leverage brand recognition, infrastructure, volume, and profitability to turn the search-to-purchase experience to their advantage. Discover new ideas on how to profit from emerging financial services industry disruption.

Speakers:
Frank Sui
Principal, Deloitte & Touche LLP
Howard Weinberg
Principal, Deloitte & Touche LLP

Session 459
Unclaimed Property: Do You Know When to Escheat So You Don't Cheat?
Wednesday, 9:45 a.m. - 10:45 a.m.
Corporate Payments Solutions
Room: 319

Can the balance on my gift card expire? What do I do if I cannot find the owner of money from a dividend or a benefits check? And what if that person has died? There seems to be a great deal of confusion as it relates to unclaimed property and the rules and laws around this topic. This session adds clarity to a sometimes bewildering topic and includes details on how to handle the various legal/regulatory considerations and best practices from practitioners.

Speaker:
Scott Fryzel
Partner, Chapman & Cutler

Session 460
Retail Store Deposits: What Do I Do with the Cash?
Wednesday, 9:45 a.m. - 10:45 a.m.
Check Electronification
Room: 320

Remote Deposit Capture is great for the checks that you receive at your retail store locations but what do you do with the cash that some customers still tender for payment? Speakers discuss creative ways to quickly turn cash into a working asset.

Speakers:
Alex C. Thrasher
Senior Vice President, Bank of America
Co-presenter to be announced

Session 465
Matching Processing Power with Consumer Demand
Wednesday, 11:00 a.m. - 12:00 p.m.
Corporate Payments Solutions
Room: 101-102

In this age of instant gratification, consumer demand for almost instantaneous, streamlined payment processing -- whether it be online billpay, credit and debit card transactions, both online and at the POS, and automatic recurring payments -- is at an all-time high. This session examines the successful relationship between payments processing vendors, related payments network, and direct billers in streamlining electronic payments processing. Presenters discuss the evaluation, implementation and execution phases, supplying real-world examples from the banking and insurance industries to meet the challenges in electronic payments processing and the solutions implemented to overcome them. Topics covered include: avoiding exceptions in processing; eliminating redundancy in customer records and reporting; increasing speed of payment delivery; and decreasing costs associated with processing electronic payments.

Speakers:
Michael Foye
VP, Sales & New Business Development, MasterCard RPPS
Patricia Frazier
VP, Product Management, Western Union

Session 466
Australia's Online Debit Struggles
Wednesday, 11:00 a.m. - 12:00 p.m.
Global Focus
Room: 104-105

Australia offers a salient lesson for countries that don't actively encourage online retail payment alternatives. With a high level of broadband use and a sophisticated banking system, Australia should be in the vanguard of online retail commerce. However, the dominance of high-cost credit card payments relative to debit alternatives in the online environment is a result of not only non-promotion and limited availability by financial institutions, but also limited consumer awareness of lower-cost debit alternatives. This reliance on credit cards prevents the young and poor -- who don't qualify for traditional credit cards -- from buying online. The result is an online retail environment that falls short of its true potential. The speaker outlines measures taken to address this problem including those by the Reserve Bank of Australia, and reviews the lessons learned from Australia for those with a stake in having robust, competitive online shopping payment options.

Speaker:
Simon Warner
Managing Director, Centricom

Session 467
Is CTX within Your ReACH?
Wednesday, 11:00 a.m. - 12:00 p.m.
Corporate Payments Solutions
Room: 106-107

Commercial CTX volumes have experienced double-digit growth in recent years as more and more organizations begin to pay their vendors electronically. But while the advantages of paying via CTX are great for both the Originator and Receiver, many companies have found it difficult to move in that direction. This session focuses on options available to companies who want to enter the world of CTX, and provides insights into the challenges and successes of one company that did. This session also examines the decision process used to determine whether to outsource or create CTX payments internally, targeting and signing up vendors, and the benefits that can be realized from moving to an ACH payment environment.

Speakers:
Saundra Baldi
Manger, AP Services, Vanguard
Penny E. Page AAP, CTP
Vice President, Wachovia Bank, N.A.

Session 468
Processing Efficiencies: A Case Study in Freight Transportation
Wednesday, 11:00 a.m. - 12:00 p.m.
Corporate Payments Solutions
Room: 109-110

One large transportation and logistics provider with an international presence is staying a step ahead of the ever -changing payments landscape and reaping the benefits of image exchange and an ease in processing exception items. This presentation focuses on how a freight transportation and logistics services provider is capturing 95% of all business-to-business payments received by check in a one-pass remittance environment while performing image exchange through best case routing with two different financial institutions. The speakers describe how Con-way, Inc. is driving a number of operating efficiencies through lower collection costs, substantial savings in banking fees and transit costs, improved exception handling, timely availability of funds and reduced labor costs.

Speakers:
Matt Dowds
Technical Product Manager, Wausau Financial Systems
Joseph Schuler
Manager, Accounts Payable, Con-way, Inc.

Session 469
Benefits & Challenges of Implementing Real-Time Payment Processing
Wednesday, 11:00 a.m. - 12:00 p.m.
The Payments Biz
Room: 201-202

Growing consumer demand for instant credit has created a surge in the need for real-time payment processing. This presentation examines the benefits and challenges billers and companies face when implementing a real-time solution. Real-time processing can really pay in terms of customer satisfaction, improved account validation and cost-savings, but what do billers need to know about implementing a real-time solution? What is the difference between real-time and near real-time? How are real-time payments different than expedited payments? What are the business costs of implementing a real-time solution and what are the costs/benefits to be realized? This presentation answers these questions and more. Hear from one biller on how their business overcame the challenges and is now reaping the benefits of a real-time solution that pays.

Speakers:
Heidi Brown
Operations Manager 1, DISH Network
Kara Jimenez
Payment Applications Supervisor, Atmos Energy Corporation
Gordon Smith
Director, Product Management, MoneyGram International
Paul Tomasofsky
President, Two Sparrows Consulting, LLC

Session 470
Competitive Online Strategic Positioning: Regional & Community Banks
Wednesday, 11:00 a.m. - 12:00 p.m.
The Payments Biz
Room: 204-205

Regional and community financial institutions with assets between $10 and $100 billion must create online solutions that are not "one size fits all" online models if they are to compete with large financial institutions. Financial institutions must understand the "personas" of the current and future online banking customers and cater to their needs. The speaker in this session discusses three personas that include key customer segments, firmographics, psychographics, and value drivers that translate into online business requirements and fulfill the persona's unmet needs. The three personas explored are: Desirable Customer (caring, friendly, current technology, mothers with children, ages 35-45); Old School (existing customers and locals, every life stage, ages 50-65); and Best of Both Worlds (caring, friendly, old school service with cutting edge solutions and delivery systems, ages 40-60, and local businesses). Depicting each persona as an individual makes it possible to envision true one-to-one online interactions that should be developed. The speaker demonstrates how to link the persona value drivers to unique online offerings so that you can compete with large institutions.

Speakers:
Greg McCrery
Partner, eCom Advisors
Co-presenter to be announced

Session 471
Managing a Convenience Fee Program
Wednesday, 11:00 a.m. - 12:00 p.m.
Corporate Payments Solutions
Room: 301-302

A convenience fee is a separate charge added to an electronic payment for the convenience of processing the payment electronically. Convenience fees have become a very popular option, especially for government agencies, educational institutions, property management, and other merchants receiving bill payments. Convenience fees can allow a business or organization the ability to expand their payment acceptance channels while minimizing or eliminating the fees associated with payment processing. This session reviews applications of convenience fees, regulatory rules, payment flow processing, risk management, ROI, marketing issues, and support & maintenance issues.

Speakers:
Jeremy Krahl
Director, Strategic Market Development, Nova Information Systems, Inc.
Michael Volk
VP, Treasury Management, U.S. Bank

Session 472
How To Turn Your Online Bill Pay Expense into a Revenue Stream
Wednesday, 11:00 a.m. - 12:00 p.m.
The Payments Biz
Room: 304-305

For a decade, banks' rapidly increasing expenditures on EBP have been justified on concepts like stickiness, consumer retention, consumer satisfaction, increased balances and product cross-selling. Although these concepts are attractive, most banks are not able to measure the ROI of EBP. As a result, banks cannot directly associate incremental revenue to their EBP expense. This session demonstrates how banks can monetize their EBP expenditure and data. Topics addressed include: monetization strategies; how to use bill pay cross-sell/up-sell; identifying unusual behavior for retention; identifying characteristics of "best customers" that can be utilized to acquire similar customers in the online channel; and identifying behaviors that can be utilized to reduce fraud.

Speakers:
Peter Gordon
Partner, eCom Advisors
Co-presenter to be announced

Session 474
Marketing Electronic Payments Toolkit
Wednesday, 11:00 a.m. - 12:00 p.m.
Automated Clearing House
Room: 318

You've attended a variety of PAYMENTS sessions and absorbed a wealth of information. This session completes the circle by providing realistic "how-to" tips and tools so you can channel your new-found knowledge, implement new ideas, and maximize the reach of your electronic payments services. Attendees gain a fresh perspective on why marketing electronic payments is of strategic importance for both your financial institution and your customers.

Speakers:
Deborah Matthews AAP
Director of Sales Support, Jack Henry & Associates/ Profit Stars
Susan L. Robertson AAP
Assistant Vice President, Federal Reserve Bank of Atlanta

Session 476
Mobile Payments are Mainstreaming the Unbanked/Underbanked
Wednesday, 11:00 a.m. - 12:00 p.m.
The Payments Biz
Room: 320

Mainstream financial institutions know the unbanked/underbanked population is a challenging market segment to crack. The speaker discusses how innovations in mobile payments are starting to provide compelling ways for the unbanked to access financial services, improve their economic situations and rethink their relationships with financial institutions. Several case studies are presented that demonstrate real market experience in mobile payment products targeting the unbanked and underbanked segments, such as G-Cash, M-PESA and those involved in the GSMA initiative on remittances including Wizzit. Topics addressed include: the unique demographics, behavior, attributes of the unbanked/underbanked consumer; features of those innovative mobile offerings targeted at the unbanked/underbanked segments; innovative approaches to value transfer; success rates; and the potential for these offerings to lead to an increase in the banked population and/or improved financial situation for users in the target markets.

Speaker:
Ginger Schmeltzer
Manager, Edgar, Dunn & Company