Wednesday, 26 June 2013

Prepaid Awards and Emerging Payments Awards 2013

Industry Contributor of the Year

Prepaid Awards and Emerging Payments Awards welcome your nominations for the 2013 Industry Contributors.

You can nominate online now. Please take a moment to make your nomination for either Prepaid Awards Industry Contributor of the Year or Emerging Payments Awards Industry Contributor of the Year

These awards are for individuals who have had a significant positive influence on the payments industry during the last year, either in prepaid or emerging payments.

Nominations close at 17.00 on Friday 19 July. Click here to nominate.
Book your table

Prepaid Awards and Emerging Payments Awards is an ideal forum for entertaining corporate clients and inspiring your staff members. Join us on 2 October at the Lancaster Hotel, London for a spectacular evening of champagne, fine dining and to celebrate this year's winners.

Make sure you secure your attendance by clicking here.
For the latest jobs in the card and payment industry, go to

Prepay Solutions now advertising on are delighted to announce that Prepay Solutions are now advertising on the website, the leading community for payment industry talent.


PrePay Solutions is Europe's leading prepaid services company. It is jointly owned by Edenred, the world leader in prepaid corporate services, and MasterCard Worldwide, Europe’s leading prepaid network. Drawing on over 10 years’ experience and the combined strengths of its shareholders, PrePay Solutions delivers excellence in prepaid.

PrePay Solutions offers a range of payment services including Transaction Processing, e-wallet provision, compliance and fraud services, supply chain management, customer services, marketing and programme design.

The company is present in 22 countries and provides services to more than 50 blue chip organisations. It has clients across the retail, corporate, online, mobile, travel, and financial sectors, and delivers prepaid solutions to some of the largest global brands.

They are currently seeking a Marketing Executive with Digital and Prepaid experience for a maternity leave cover role. 


We are seeking an individual of graduate calibre, a confident self-starter with excellent organisational skills and attention to detail. The successful person will be able to demonstrate quick rapport-building with clients; experience in below-the-line marketing techniques biased towards online/digital marketing within a B2B environment; excellent writing, creativity, research and problem solving skills and ideally a background in retail banking or financial services. Previous exposure to managing external clients & third party service providers would be highly desirable. 

The contract will initially be for a 6 months maternity cover period, with a potential 3-month extension.


  • Drive the marketing strategy and propositions and deliver the annual marketing plans for the lifecycle of the product based on segmentation plans
  • Product marketing with a focus on in life product management (retention and growth)
  • Campaign management from briefing creative and copy through to production and implementation working with internal campaign management team
  • Ensure timely delivery of communications through online channels such as email and web banners, etc. and management of offline material

·         Report on and maintain good understanding of campaign performance, and make recommendations to improve

  • Upholding partner’s brand and messaging

·         Implementation and adherence to all defined customer and business rules to ensure compliance with legal and regulatory guidelines

·         Identify developments to current campaign processes to improve effectiveness, efficiency and quality of service

·         General marketing assistance required to market the PPS brand

·         Supporting the Sales and Relationship Managers to ensure a superior level of client commitment


  • Strong stakeholder management with the ability to work across multiple teams in Product and Marketing and third party suppliers
  • Ability to work autonomously  – able to plan own work and track progress against a plan
  • Proactive, self-motivated and able to use their initiative
  • Excellent time management and attention to detail
  • Data driven: will have to work with many different data sources and tools to report on campaigns and produce analysis
  • Sound working knowledge of MS Office, especially Excel and PowerPoint
  • Ability to work well in a fast-paced team environment, have good communication skills
  • Passionate and innovative about problem-solving, with a dynamic and energetic style
  • Demonstrable experience with client relationships at all organisational levels




·         University Graduate with significant marketing experience

·         Biased towards online/digital marketing, preferably within retail banking or financial services organisations

·         Knowledge of the Prepaid market would be an advantage

·         Previous exposure to managing external clients & third party service providers would be highly desirable

To view and apply the job on the site, click on the following here

Monday, 24 June 2013

Consumers’ trust in mobile services

Consumers’ trust in mobile services


Which systems have been displayed and which trails currently

meet users’ expectations?



Paris, 24 June 2013 - Beyond devices and connections, the pace is just as fast for mobile services. The addiction of users to mobile broadband and Internet is quite amazing. The figures speak for themselves, often at the billion level mark. Almost half the population of the planet uses mobile communications… There were a total of 3.2 billion mobile subscribers in 2012… … 7 billion connections were made in 2012 and 10 billion are expected by 2017… More than 100 million tablets were sold in 2012… And the same year, 5.1 billion SIM cards were shipped. Mobile applications, based on the combination of identification and transaction services, are opening new business opportunities in nearly all sectors of life and business.

The 2013 annual CARTES, Secure Connexions Event will be held from 19 to 21 November 2013. In its “mobile payment “ and “Smart shopping” areas, this world leading and annual exhibition  intends to focus on innovations and advanced technologies already conceived to meet users’ expectations of secured mobile payments. The conference “Your future is mobile: Trust it!” chaired by Sirpa Nordlund, Executive Director of Mobey Forum, will highlight the latest developments.


Mobile payment

The power of mobile introduces a disruptive transformation in financial services. As convenience and user-friendliness are the main benefits expected by users, NFC is a key enabler of mobile payment. Mobile devices that enable tap-and-go payments through Near Field Communication (NFC) technology are starting to achieve widespread penetration. The development of mobile payment strategies is still dependent on the confidence of customers, especially regarding payment services. Users need to be fully convinced that their personal bank details are securely kept and managed by their mobile device. In mobile payment as a whole, differences appear according to the type of market. In mature markets, mobile payments generally apply to purchases of goods and services from online or proximity sales points.                                                                                                            

Did you know ?

Advanced Info Service Plc. (AIS), the largest telecom   operator in Thailand, is currently providing a NFC SIM card enabling a mobile phone to be used as an e-purse to pay for public transportation and goods in Bangkok. Service users can also directly top-up credit on their SIM card and check both their balance and transaction history using their mobile phones.


In emerging markets, mobile transactions are a financial service provided to unbanked populations and generally relate to peer-to-peer money transfers. In both cases however, mobile payment is the result of the high degree of penetration of mobile devices.



NFC projects in the mobile payment space are being introduced to the market in Europe as well.Telefónica Germany recently introduced its O2 Wallet enabling the storage of virtual credit cards and other apps. For the wallet service, Giesecke & Devrient is providing both the multi-application NFC SIM cards and the TSM (Trusted Service Management) service.



Security is key, SIM is the key

In this tremendous social shift, customers’ trust matters a lot. The players of the mobile ecosystem therefore are committed to providing seamless security and safety to citizens, businesses and social entities generally, whatever the final service to be delivered. Most mobile devices can store personal data, photos, working documents, mail and content. Security is the cornerstone of mobile business, from digital identity to financial transactions and from health to education. The challenge is sizeable as users are exposed to a wide range of risks: ID theft, transaction repudiation, communication interception or breach of privacy…

In the face of the ever-growing complexity of the mobile ecosystem, the SIM (as in ‘Security, Identity, Mobility’) UICC card stands out as the technology best able to fulfill security and trust requirements. Its inherently secure components provide a safe execution environment enabling functions such as the generation of security keys or the legally binding certification of digital signatures. Thanks to the SIM and whatever the device (handset, smartphone, tablet), users can make use of mobile services with the same high level of confidence that they have shown over the years to their mobile phone thanks to the SIM.



A focus on mobile market opportunities in health

The mobile industry is now addressing a large range of socio-economic domains. One in particular is worth noting: health. Although the potential benefits of mHealth solutions have been widely discussed for over a decade, until recently the market never emerged from the trial phase. The commercialization phase is opening now and according to Research2guidance the mHealth market is expected to reach $26 billion in 2017.

Data privacy

Orange France and Morpho recently announced the creation of the world’s first mobile identity management system for the healthcare sector, extending existing health card solutions and enabling secure access to patient data anytime, anywhere and on any mobile device.

Not only are consumers taking advantage of mobile devices to manage and improve their own health, so are healthcare professionals. A significant number (15%) of mHealth applications are primarily designed for them. These include CME (Continued Medical Education), remote monitoring and healthcare management applications. 97,000 mHealth applications are currently available in major app stores, 42% of which are fee paying.  


With more and more traditional healthcare providers joining the mobile applications market, the business models will broaden to include healthcare services, sensors, advertising and drug sales revenues.


Mobile markets are limitless and trust is the portal to a never-ending list of business opportunities and applications. To adopt them, the last word will as usual be that of users, consumers and citizens…
Isabelle Alfano, Director of the Cartes Secure Connexions Event 2013, will be happy to answer any questions. Please do not hesitate to contact us.
Stay in touch in real-time and get the latest news on the trade show:
-          visit the Internet site:
-          follow us on Twitter «@_cartes » and use #cartes2013
-          join the CARTES Events group on Linkedin:
-          download the MyCARTES mobile application
-          Join the CARTES Facebook Community

For the latest jobs in the card and payment industry, go to

Friday, 7 June 2013

VISA EU recruiting specialist on

Visa Europe is a membership association of more than 3,700 European banks and payment institutions. As a payment technology business, they provide the brand, systems, services and operating rules that make electronic payments between millions of European consumers, retailers, businesses and governments happen. They continually invest and innovate, creating new and better ways to pay and be paid. Their slogan is "We make money flow"

With an ever increasing company, they are looking to recruit a Product Development Owner for their and have advertised this exciting position on

The successful Product Development Owner for will work on Visa's  in flight programme delivering an innovative e-Commerce product that represents a key part of Visa Future of Payments strategy:

•Drive successful development of an e-Commerce payment product to meet the needs of Member Banks, PSPs, Merchants, Consumers and Visa Europe
•Responsible for the Consumer Self Service Portal and Checkout Registration, Card and Profile Self Service user interfaces and core product functionality
•Work with other Product and Service Development Owners to create a common and seamless User experience, service support capabilities and integrated risk protection
•Work within an Agile Scrum development team structure to deliver the business objectives of the project.
•Work with external development teams, in a complex multi system environment to create an end to end business system including audit and reporting
•Engage with Member Bank & PSP product design and implementation teams to understand their needs, constraints and routes to market for all new services
•Ownership of product capability definition and support of team activity to deliver the program outcomes
•Champion and secure internal and external buy-in for product proposition and design.

Core Tasks:
•Own and define product features to deliver compelling propositions to issuers and their Consumers.
•Responsible for the functional requirements (in conjunction with solution architects and business analysts) of Consumer Self Service Portal and Checkout Registration, Card and Profile Self Services
•Creating a white label B2B framework that balances ease of maintenance and ongoing development of the core Portals with flexibility to reflect the look tough and feel of the Wallet provider branded offerings
•Facilitating intuitive user flows to deliver high registration conversion rates and Consumer navigation and self service facilities to keep Consumers informed of their wallet interactions and support first time self service resolution of queries and wallet/card maintenance
•Review proposition NFRs to ensure that meet Partner and Consumer needs
•Provide direction and ongoing support to system, UI, and Service process designers during development of concepts through to live handover to BAU
•Elicit internal, Member and (through research) Consumer stakeholder validation of product features and design, including developing capabilities in co-operation with key Issuer launch partners
•Define proposition scope and outcomes and create supporting change briefs, user stories and success criteria for development sprints
•Contribute to development sprint planning and release backlog prioritisation
•Engage collaboratively with solution architects and developers to define detail product solution design
•Make decision within own authority and prepare recommendations for submission to programme governance structure
•Work with Agile team testing and external QA teams to validate acceptance criteria
•Contribute to daily stand-up and Product Development Owners’ meetings, end of sprint retrospectives and run Show and Tell sessions for stakeholders
•Competitor review and benchmarking of digital financial service and retail account registration, maintenance and transaction management services
•Produce, in conjunction with Technical Writers, high quality documentation to support Consumer Self Service Portal and Checkout Registration, Card and Profile Self Service and supporting Help/FAQs
•Work with other Development Product Owners to ensure compatibility of requirements and solution design
•Work with the Product Rules team to establish rules and policies that that govern the product capabilities
•Support Delivery Project Managers in meeting Change Governance policies and providing accurate and timely reporting of progress, dependencies, risks and issues.

Desired Skills & Experience
•Understanding of Consumer journeys for financial services, wallet and retailer account websites and mobile applications
•Strong knowledge of websites that manage complex user scenarios such as registration, authentication, account management and transaction investigations
•Strong software design life cycle experience – business requirements gathering, wireframes, storyboarding, usability and exception management
•Experience of creating a digital Consumer self management and event communication services that drive regular site visits, high percentage of “right first time” self service interactions and great customer satisfaction ratings.
•Experience of interacting with and supporting development teams in the building out of designed UI’s
•Clear, concise and structured approach to analysis and problem solving, with ability to think of creative alternatives to existing or proposed solutions
•Strong stakeholder management skills, with ability to lead review sessions
•Experience of working closely with functional owners to design and document product features
•Experience of large scale application development
•Strong work ethic, proactive, flexible and able to work in new or undefined areas
•Experienced in working in time-pressured environments, with excellent delivery record
•Delivery focussed with an ability to balance conflicting needs.

Beneficial Skills:
•Agile development methodologies (preferably Agile Scrum)
•Experience of mobile wallet and payment applications desirable
•Experience of Accessibility standards implementation
•Experience of user/usability design and testing process
•Delivery project management
•Experience in multi European countries including UK, Spain, France, Poland, Nordics, Italy and Germany.

•Degree level or equivalent.
•Occasional travel throughout Europe.

To apply for this outstanding opportunity with a leading payment industry player, go to

Tuesday, 4 June 2013

Senior Manager, Product Governance - Digital Wallet

For a leading global brand in the payments industry working on their digital wallet

Senior Manager - Product Governance

CompanyMostyn Chase
SectorBusiness analytics / business modelling , Business Development, Business Operations
Salary, Benefits & OTESix Figure Package available for the right candidate
Locations UK, London
Job TypePermanent
Date Posted17th May

Job Description

Product Rules / Requirements Gathering / Card Processing / Contract Negotiations / e-commerce
Competitive six figure Salary, available for an exceptional candidate

As a payment business that is at the forefront of technology, our client is currently launching and developing a new digital wallet for Europe and requires a senior individual to define the product governance framework.
So what will the role involve? The purpose of this job is to contribute to the launch and market adoption of a new digital wallet product by developing the product governance framework, which will govern the use of the digital wallet offering across all ecosystem participants (Wallet Providers, Acquirers, Merchants, iPSPs, Consumers, Card Schemes). This is a senior management role, and the holder, as part of the e-commerce team, will be involved in defining and implementing a product rules framework by developing a holistic, end to end set of product policies.
What must you bring? With proven experience in the e-commerce / online payments sectors you will have previously worked either with a merchant, iPSP or Acquirer. You must also be able to demonstrate:
* Knowledge of the card transaction processing flows and the roles / responsibilities of the entities in the 4-party model
* Experience with negotiating and putting in place legal agreements / contracts
* Commercial law background
* Ability to engage with and manage multiple stakeholders
* High quality documentation skills - excellent written and spoken communications
* Demonstrated hands-on project management capabilities with ability to work to tight deadlines
* Proven ability to work cross-functionally and drive significant delivery initiatives
* A "can do" mentality - demonstrating a real passion for making things happen combined with a flexible approach reflecting the dynamic nature of the role
* Delivery focussed with an ability to balance conflicting needs
You will have a distinct advantage if in addition to the above you can display:
* Knowledge of card schemes
* Agile development
* Additional European languages
So why apply? Excellent opportunity for you to join a global brand in the payments industry, working on an innovative payment solution which is set to become the future of payments.

To apply, go to :