Wednesday, 24 July 2013

CARTES Secure Connexions Event 2013: Building Trust in Mobile Life

The CARTES Secure Connexions Event 2013 will be held from 19 to 21 November 2013 at the Paris Nord Villepinte exhibition centre. The central theme of this year’s show, "Building trust in mobile life" , will allow the key issues facing the sector to be addressed: Mobile Security, Secure Mobile Commerce, Digital Identity and Smart Cities. Brazil, a major reference in these trends related to "connected living" and one of the world's great economic powers, will be the special guest country at CARTES 2013 and will take centre stage at the show’s various events.
Throughout the year, numerous events will be held to enrich this leading trade show: two press conferences (in June and September) on smart shopping and digital identity, the SESAMES awards ceremony on 18 November, the prestigious World Card Summit on 19 November and many more. Get your diary out!

CARTES Secure Connexions Event 2013 is a comprehensive event (trade show, conferences and awards) entirely dedicated to secure payment, identification and mobility solutions. The show was met with great success in 2012 with 19,000 visitors, 1,600 conference attendees and 137 countries represented. This 28th CARTES show will again be the unmissable gathering for professionals in these sectors.

This year, CARTES Secure Connexions Event will be held in conjunction with Milipol Paris, the worldwide exhibition of internal State security for all public and industrial security professionals.

CARTES Secure Connexions Event 2013 – Building Trust in Mobile Life

Building Trust in Mobile Life

In a world where people are becoming ever more connected and where mobility is a major issue for companies and countries, issues relating to security, authentication and data protection are priorities for all solution providers.

CARTES Secure Connexions therefore decided to make "Building trust in mobile life" its central theme in 2013. It has been divided into four sub-themes:

 Mobile Security: Mobile payment, BYOD (Bring Your Own Device), SIM card security, etc.

 Secure Mobile Commerce: E-commerce, m-commerce, payment security, interconnected retail etc.

 Digital Identity: Digital identity, authentication, partnering for digital trust etc.

 Smart Cities: Object identities, machine to machine etc.

These are strategic fields where security and trust are key to successful growth in the mainstream market.

"The 28th CARTES Secure Connexions Event, to be held from 19 to 21 November 2013 at the Paris-Nord-Villepinte expo centre, will be a rich event with a focus on mobile life. Mobility, which has grown exponentially, offers a number of opportunities for security, payment, embedded intelligence and digital identity players in particular. So we are really looking forward to the sector’s big event," explains Isabelle Alfano, CARTES Secure Connexions Event 2013 Trade Show Manager.

Brazil: guest country of honour

With a population of over 194 million and sustained economic growth, Brazil offers many opportunities for major players in the card, identification and mobile payment sector. The demand for value-added services, EMV* migration and identification projects have ensured its market growth in one of the largest Latin American countries.

*Europay Mastercard Visa CARTES Secure Connexions Event 2013 Schedule
4 June 2013: Press conference on smart shopping
o Presentation of results from a study carried out by CARTES Secure Connexions and Payment Cards & Mobile on services provided by new payment technology in retail.
24 September 2013: Show launch press conference on digital identity
o Presentation of results from a study carried out by CARTES Secure Connexions and Milipol on digital identity.
o Launch of CARTES Secure Connexions Event 2013: all the new innovations for this year's show will be revealed.
18 November 2013: SESAMES awards ceremony
o These awards go to the top 10 technological innovations in the chip card, digital security, identification, secure payment and contactless sectors. The SESAMES awards are a great springboard, giving winners a prominence and legitimacy which helps ensure the success of their project.








Thursday, 11 July 2013

Dynamic Brazilian market is the Guest of Honor of CARTES 2013!

  Brazil has been appointed as Guest of Honor Country for CARTES Secure Connexions Event 2013, which will be held from 19 to 21 November 2013. To highlight the development of the smart technologies in the country, a special conference, organized on the 21st November from 9.30 am to 12.30 pm and hosted by Smart Card Alliance Latin America, will focus on “Building trust in mobile life”, the main theme of CARTES Secure Connexions Event 2013. Before this key appointment of the event, CARTES draws up the current situation of smart technologies innovations in Brazil.


Seen from the rest of the world, Brazil often echoes sport events such as the upcoming Olympics and the Football World Cup. Reality is, of course more complex, as Brazil is the hotbed of innovation in the secure transactions industry, thanks to a long tradition of technology and industrial development supported with a population enthusiast to adopt new technologies. “Brazil has the best combination between local industrialists and the presence of international players. This is supported by a dynamic economic environment, leading to the development of numerous innovative applications in the field of secure transactions,” says Isabelle Alfano, CARTES Events Director. 

Thus IntelCav, a unit in the Inteligensa Group, is among the top 10 card manufacturers worldwide (Source: The Nilson Report), and will present its products and services at CARTES 2013. IntelCav has developed a strong expertise in smart card manufacturing as well as in application development. This company is part of multiple projects in all fields of the secure transactions industry, with plants in São Paulo, Manaus and Getúlio Vargas, in Rio Grande do Sul.



High demand for payment cards


The Brazilian market is characterized by a very high ratio of payment cards per inhabitant. By 2017, the penetration rate is expected to be over 300%, demonstrating that Brazil is the most dynamic market in Latin America.


According to ABECS (Associação Brasileira das Empresas de Cartões de Crédito e Serviços), total installed base of banking cards was 459 million at the end of Q2/2012, with a 9% average yearly growth rate.


In Brazil, the EMV migration (to smart cards) is decided, and the financial community has decided that the whole infrastructure will have to accept smart cards, both contact and contactless. In addition, the most important financial institutions already migrated their cards to contact EMV a few years ago, resulting in a ratio of over 80% smart cards among banking cards in 2013, according to IMS Research.


Brazilian banks are in a highly competitive environment, and tend to show their capacity to innovate through the development of new services, supported by smart cards. Analysts consider that the World Cup and Olympics will be the key drivers in helping to develop the financial infrastructure in Brazil, and to ensure that in a few years, the whole acceptance infrastructure will have been converted to accepting contact and contactless smart cards.


Supporting the acceptance infrastructure extension, and especially involved to meet the deadlines of the football world cup in 2014 hosted by Brazil and the Rio Olympics in 2016, Ingenico sold more than 1 million POS terminals in Brazil in 2012. Players in the Brazilian market choose increasingly sophisticated, high-tech payment solutions for this sector (tactile, color screens, mobile and contactless functions).


Did you know?
With a high density of population in urban areas, mass transit systems are instrumental for the development of the Brazilian economy. São Paulo, the biggest city in Brazil, has a 5-line subway system complemented by a 260 km suburban network. São Paulo has adopted the “Bilhete Único” a transport smart card, used for paying fares on buses, subways, and trains.


One of the leading mobile telephony markets in the world


Brazil is, with over 265 million subscriptions for a population of 192 million inhabitants, the Brazilian mobile communications market is adding around 1 million new subscriptions every month. The Brazilian operators receive a strong support from international smart card vendors. For instance, Oberthur Technologies has activated over 30 million SIM cards, just 18 months after a commercial launch for over-the-air SIM card activation with Vivo, the largest mobile operator in Brazil. Oberthur Technologies implemented its Smart HLR solution, enabling Vivo to activate 2.5 million SIM cards per month.


Government Identity new projects


On 30 December 2010, one day from the end of his eight-year mandate, President Lula took part in a ceremony that focused firmly on the future. He was the first Brazilian to be given a new, high-tech Brazilian identity card, numbered 001. Over the next nine years, 150 million Brazilians will join him.


The new Registro de Identidade Civil (RIC or Civil Identity Registry) card meets the Brazilian government’s standards for its national ID cards, which must contain an eID application as well as a match-on-card solution for fingerprints. The RIC card enables each Brazilian citizen to be registered under a single number valid nationwide. That eliminates one of the biggest security risks of the country’s current ID documents, which require multiple registrations in the various federal states under different registration numbers. The RIC card is a hybrid card containing both a contact and a contactless module.


The process of replacing all old ID cards with the new ones is expected to take more than a decade in Brazil, with two million Brazilians getting their new ID cards in the next year free of charge.


GD Burti, the Brazilian subsidiary of international technology group Giesecke & Devrient (G&D), has been qualified as meeting the security requirements for the RIC, the new Brazilian eID cards. GD Burti has been granted certification by Instituto Nacional de Tecnologia da Informação, Brazil's foremost IT authority. GD Burti has already delivered more than one million RIC cards as part of an initial pilot project.


Data privacy
This RIC card enables unambiguous identification of individuals, where state authorities such as the police will be able to scan a person’s fingerprints using a portable device and compare them with those stored on the person’s ID card. Additional security is ensured by Public Key Infrastructure (PKI), which guarantees the authenticity of the data stored on the chip.


Convergence drives mobile payment


The Convergence market in Brazil is developing thanks to a positive combination of factors: strong mobile network operators and financial institutions, high level of penetration of both mobile phones and bank cards, local application developers, and a presence of international players in the secure transactions industry.


Recently, MFS (Mobile Financial Service), a joint venture between Telefónica and MasterCard Worldwide, is launching Zuum, Brazil's first mobile payment service. The service enables Vivo (Telefonica’s mobile network operator in Brazil) customers to have access to a pre-paid account on their phone that will allow them to transfer money, buy credits for Vivo's pre-paid mobile phones, and pay bills. Customers can also choose to receive a pre-paid card from MasterCard which is connected to the same pre-paid account. Customers can use the card to make purchases in more than 1.8 million affiliated establishments and withdraw money in Cirrus ATMs. The service started in May 2013, in São Paulo state cities and in the capital of Minas Gerais state and it will be expanded to other regions. MFS predicts that it will have a national coverage by 2014. 


At the same time, Gemalto’s UpTeq NFC SIM and Allynis Trusted Services Management (TSM) platform are at the core of a mobile NFC payment program in Brazil. TIM Brasil, a mobile operator with 70 million subscribers, and Banco Itaú, a major bank in Brazil, are using Gemalto’s technology to enable secure transactions by waving the handset close to a contactless payment terminal. Gemalto’s TSM platform will enable the secure integration and management of NFC services across the country. As the pilot program expands, Gemalto’s TSM solution will allow secure, over-the-air installation of a wide range of NFC services on mobile devices such as public transportation.




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

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Monday, 8 July 2013

Retail Strategy & Marketing Lead

 Exciting opportunity for a Payment Industry Marketing Expert

SectorAcquirer Services/Merchant Services, Brand Marketing, Business analytics / business modelling
Salary, Benefits & OTEexcell bens
Town/CityCity of London
Locations UK, City of London, London
Job TypePermanent
Date Posted5th Jul

Job Description

To provide expertise within the eCommerce Retail vertical and to develop the Product & Policy approach to Retail vertical market specialism; work closely with the Relationship Managers and Business Development Managers to drive tailored propositions to the retail market sector.
  • You will be positioned in the organisations eCommerce Retail Group in an overall consultancy lead capacity, with collective ownership of this large, global revenue stream.
  • Work collaboratively with other stakeholders within the Retail Group, such as BD, RM, Marketing etc.
  • Manage high-level relationships with several key global merchants
  • To provide Retail Payment related expertise to the eCommerce group
  • To develop the Product & Policy approach to the Retail vertical market specialism
  • To represent the Retail vertical in overall strategic debate
  • Collective responsibility for the retail vertical P&L
  • Develop and maintain a best in class value proposition, vertical policies and roadmap that meets global merchant needs.
  • Differentiate the organisation from key vertical competitors
  • Lead generating and developing forward-looking high quality vertical ideas
Strategy (50%)
  • Work closely with the RM's and BD Managers to drive tailored value propositions to the Retail market sector.
  • Work closely with the RM's / BDM's to ensure training programmes and regular industry news / developments are in place
  • Developing and maintaining all promotional and educational documentation
  • Assist in the development of white papers, both with merchants and standalone to position the organisation as a thought leader in the industry sector
  • Deliver a customer focused roadmap - you will need strong awareness of current and future merchant needs.
  • Become the central point for competitor intelligence within the retail sector to ensure constantly updated competitor knowledge, including: pricing, product, regulatory positions, new technologies and partnerships
  • Maintaining and developing an understanding of emerging technologies / markets, and working with the Product, Proposition & Training team, to deliver into the changes
  • Relationship, attrition, new business strategy & management of 400 regulated clients
  • Analyse evolving customer needs through consultancy relationship building and support developments into new markets.
Product/Marketing/Ambassadorial (50%)
  • Constantly evolving & developing the product set to meet the needs of the retail market
  • Represent the business at Cross-Card Business, Schemes and industry level meetings
  • Attend RMC / Exco, special group or credit committee meetings to the sector
  • Work with the Sales & Marketing teams to ensure a full calendar of events, including briefings, round tables to position the organisation as the leader in retail payments.
  • Renegotiations of contracts and SLAs with major relationships at all levels - you will meet your vertical's Tier 1 clients regularly and in locations to suit them
  • Champion the views of merchants with the Card schemes
  • In depth understanding of the retail environment in relation to payments
  • eCommerce experience is desirable
  • Good insight into the future requirements of merchants in the retail sector
  • Collaborative approach - able to empathise with and build relationships with key stakeholders and clients
  • Able to conduct meetings, events and seminars with international tier 1 merchants in international locations
To apply click here

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Wednesday, 3 July 2013


The search for customer service, excellence and innovation in card & payments begins as the Call for Entries for The Card & Payments Awards 2014 is launched with a deadline of Thursday 3 October 2013

The aim of the Card & Payments Awards, now very well established in its ninth year, is to search out and reward players in the UK and Irish card and payments market who respond to customers’ needs with responsible lending practices, product and technological innovation, and operational excellence. The Card & Payments Awards is open to entries from credit, debit, prepaid and charge card issuers as well as merchant acquirers and other payment providers in the UK and Republic of Ireland.

The Awards, whose Prime Sponsor is TSYS, will continue to be judged by an independent panel, chaired by John Woods, Chairman of leading financial information provider, Moneyfacts.

The panel includes industry representatives from both UK and Irish umbrella payment bodies, The UK Cards Association and Payments Council and IPSO, and all four main card payment organisations, American Express, Diners Club international, MasterCard and Visa as well as the Electronic Money Association, the Prepaid International Forum, the Mobile Marketing Association and consumer focussed organisations.

Categories cover product development, technology, innovation, security, marketing, CRM, customer service and responsible lending practices. The awards also include dedicated categories for alternative payments providers, new debit card programmes and for initiatives launched by merchant acquirers.

There are two ‘By Nomination’ categories : Industry Personality of the Year salutes an individual for a significant contribution made within the qualifying period 1st October 2013 – 30th September 2013 whilst the Lifetime Achievement Award seeks to underscore a significant and consistent contribution made across the span of a career.

The awards process will culminate in a black-tie Awards Dinner & Ceremony next February at The Grosvenor House Hotel. The event which traditionally sells out well in advance and at the 2013 Dinner and Ceremony some 1350 people attended.

Martin Fielding, CEO of Card Partnerships, organisers of the Awards comments: ‘Once again, there is a great deal of anticipation about the entries we expect to receive for 2014. Banks, Issuers and Payments brands continue to work hard to differentiate themselves in a demanding trading environment and these challenges stimulate creativity and innovation.  Whatever the achievement or innovation from whatever functional area, we look forward to seeing some of the exciting work being undertaken in the UK and Irish payments industries.   Fielding also commented  : ‘The judging process  for The Card & Payments Awards subjects all entries to rigorous scrutiny and as a result being shortlisted , let alone winning an Award,  is a great achievement to which all those in the industry can aspire.’

The categories are designed to reflect a range of disciplines and activities that are common to issuers, payment card brands and payments services operating across the UK and Irish markets.

The categories sponsored by Affinion International, American Express, Aspire Lifestyles, Diners Club International, First Data, FIS, Gemalto, Giesecke & Devrient, Ingenico (also a Silver Sponsor), MasterCard, TSYS Managed Services EMEA , The Ashton Partnership and Visa, are as follows:

• Best new credit card product of the year

• Best new prepaid card product of the year

• Best new debit card programme of the year

• Best card design of the year

• Best card marketing campaign of the year

• Best card benefits programme of the year

• Best card cross-selling programme of the year

• Best affinity or co-branded card programme

• Best business card programme

• Best CSR programme of the year

• Best initiative in mobile payments

• Best merchant acquiring initiative

• Best alternative payments programme

• Best security or anti-fraud development

• Best technology initiative of the year

• Best industry innovation of the year

• Best achievement in customer service

• Best CRM programme

• Most responsible credit card lending practices

• Best overseas payments programme

• Industry personality of the year (by nomination)

• Lifetime Achievement Award (by nomination)

The deadline for entries is 17.00 on Thursday  3 October 2013.

In addition to category sponsors The Card & Payments Awards has secured valued sponsorship from: VocaLink ( Reception Sponsor) and Contis Group (After Show Party Sponsor) .

The winners will be announced at a black-tie Awards Ceremony and Dinner on Thursday 6th February 2014 at The Grosvenor House, London.

For more information, or for details on how to submit an awards entry, visit the updated website at
Will you be entering your company ? Which categories do you think will be the most popular ?
Will you be at the awards themselves ?

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