• Common factors and USP’s to each payments offering: mobile banking, mobile transfer, contactless payments, e and m commerce
• How do these various elements sit holistically under ‘m-payments’ and what are the opportunities for co-existing and enhancing the service as a whole?
• Assessing various revenue sharing models in existence
• Determining the market barriers and opportunities that will roll-out the proposition to [which] mass markets.

• What does the limitation in credit services by traditional banks mean for operators and their subscribers?
  • P-to-p credit value systems: establishing different propositions in growth and mature markets
  • Determining the key regions where the pre-paid sector attributes to success of service: CEE, EMEA and new growth markets
  • SMS as the king revenue-generator: how sustainable are high volume/low margin SMS-based services in maintaining operator ARPU?

• Establishing the key motivating drivers for operator leadership in the payments eco-system:
  • Established subscriber ownership and relationship
  • Financial capability, research, and first-to-move
  • Interest in buffering declining ARPU through new services
  • But what is the value-add of the MNO to the rest of the eco-system? Bringing in the lone giants - banks, retailers, and the MNO offering
• Establishing the operator role as multi-million subscriber base hubs joining a global mobile money transfer service internationally
• How can other players add value to the service in this operator-centric model?
• Ensuring the simplicity of service is utmost

• Should the bank co-operate with retailers and operators to realise a new financial channel? Doesn’t the bank own the knowledge and the ‘right to bank’ and hence the mobile banking service?
  • De-regulation prospects and new financial institutions which are changing the market
  • Operator customer base as an un-challengeable USP and precious commodity
  • Have banks proved the limits to their self-sustainability: is it time to be more outward looking?
  • Understanding end-user needs: instant banking on the move, java apps which simplify mobile services, and co-ordination between different services seamlessly: results from bank customer trials
  • Where does the common point of benefit reside between the sectors?

• How can the cost of m-commerce infrastructure and training for large retail networks be balanced against the gain of faster transaction times, tighter consumer relationships, and direct marketing? What are the tangible costs and savings for this advanced payments innovation?
• How can mobile/commerce convergence in the form of MVNOs be best utilised to extend reach and benefits of m-finance and m-commerce globally?
• What is the optimum framework for a retailer to test, design, roll-out and gain from an m-commerce platform?
  • Assessing different technical solutions - software/hardware/trusted service managers
  • A CEO’s thoughts - what works, what doesn’t?

• Is consortium the model best fit for all? Does co-operation really work or does the consumer bear the cost of late services and mis-management?
• Does the Sim-based model of NFC payments ensure that operators will ‘own the customer’; how will this affect other players who operate in mobile financial and commerce services - what can they offer into the bargain?
• Are traditional retail and banking sectors innovating to survive? Which regions are show-casing benchmark services which the whole eco-system should look to?

• Find your allocated table and meet with other mobile finance and commerce executives to discuss the most pressing questions of the industry for thirty minutes, before reporting your solutions back to the chairman. The best payments, banking and retail innovation presentations will (at the discretion of the chairman) receive a prize at the mobile finance and commerce awards ceremony at the end of the day!

• Addressing the implications of NFC for the retail, banking, and mobile operator sectors and their core consumers

• When will handset range expand? 700 million NFC-enabled handsets in 5 years time - is it really going to happen?
• Consumer acceptance is there: why is the market waiting on the device manufacturers to deliver in certain markets? Cost, business models, and taking the investment plunge.
• How will interoperability and handset security be realised? Standardisation and individual sector endeavour as competing strategies.
• Assessing the role of handset distributors in enlisting customers to payments services and ensuring ‘know your customer (KYC) compliance.
• What is the expected impact of Nokia’s Android in the payments space?

• What are the business problems that could be solved easier with this model?
• The mobile payment quintessential issue: establishing the end-to-end trust.
• Are there parallels to draw between mobile infrastructure and a distributed computing environment?
• Why cloud computing security is similar to that of mobile infrastructure, and how it could help mobile payment.
• A loosely-coupled, holistic security model. Actors: user, application, stack, operator, and service provider.

• Outlining the Payment Services Directive (UK law, 1 November 2009): what impact will the directive have on different market sectors within mobile financial services, and in which regions?
  • capital services required
  • cover and enablement received
  • immediate transaction/charged debit accounts
    • waived institutions
    • is total liquidity of assets a necessary demand on e-payments providers?
• How will the payment directive pave the way for a more de-regulated e-payments landscape? Hopes for increasing consumer opportunity through innovative payments services.
• Mediating regional suspicion of e-payments; determining the actual risk-mitigant of electronic footprints, non-liquidity and minimal financial market impact - seizing the opportunity of a cash-less society
• Fulfilling a market gap in the credit flow following the credit-crunch. Pre-paid payment potential and banking the Western-European unbanked

• How have abuse points developed in the past twelve months in line with m-payments and commerce uptake?
• Forecasting further abuse points, prevention and holistic industry solutions
• Working with each sector - securing networks, handsets and immobilising criminals cross-network and border: what should the banking, finance, retail, and telco companies be doing?
• Organised criminal networks and their movements in m-finance fields: what is the potential for m-couponing and commerce to be abused on a mass-scale?
• NMPU - a history and background research into the security concerns of mobile banking, commerce and payments services

• Foundations of trust - securing the hardware of the device from embedded hacking
• Appropriate payments security to enable user trust: balancing user-friendliness with risk probability
• Achieving interoperable new services for users across multiple platforms, devices and operators
• Consistent and secure access to key interfaces across mobile devices through BONDI Innovative web/mobile developments to watch out for

Networking Drinks Session and Mobile Payments and Commerce Awards ‘Play and Display’ Hands-on Demonstration of Mobile Payments and Commerce Apps