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BayPay Event - April 2, 2012 - EMV in the US - Why now, How and When to Get there? - More details from Visa and MasterCard

The BayPay Forum

Monday, April 2, 2012 from 6:00 PM to 9:00 PM (PDT)

BayPay Event - April 2, 2012 - EMV in the US - Why...

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Ticket Type Sales End Price Fee Quantity
Free Ticket for BayPay event on "EMV in the US" on April 2, 2012 (Fast Bird BayPay Member) Ended Free $0.00
Ticket for BayPay event on "EMV in the US" on April 2, 2012 (BayPay Members) Ended $30.00 $2.64
Ticket for BayPay event on "EMV in the US" on April 2, 2012 (Non BayPay Members, late bird or pay at the door) Ended $50.00 $3.74

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Event Details

The BayPay Forum is dedicated to payment and commerce disruptive innovations so professionals from the payment and retail industry have opportunities to network with peers and exchange on a neutral ground on upconing diruptive innovations shaping the future of payments.


EMV Card


We have selected for our April 2nd event to discuss "EMV in the US" as we believe that in case this initiave succeeds, it will have a major impact on the payment infrastructure and innovations in general. It is not the first time that we hear about chips in the US but we believe this time may be different.


First, if you travel abroad and in Europe in general, it is becoming more and more frequent to pay with cash as your magstripe card won't be accepted. It is a minor issue for most of us but the trend is there and accelerating.

Second, fraud, while having been reduced in recent years is on the rise again percentage-wise and the risk for the future is increasing with more sophistication in their attacks from fraudsters and organized crime.

Third, the payment ecosystem is in mutation and it runs the risk for established players to be replaced by something new coming from Google, PayPal, Square, Isis, Facebook, diverse eWallets and other Merchant Close-loop cards. Once established, a change in creative business models may render the sacro-saint interchange obsolete. Mandating EMV and secure NFC at POS terminals could be a good way to slow down adoption of too creative competitors.

Fourth, some merchants like Walmart with their international presence are ready in other countries and have been pushing for deploying EMV at the POS to reduce cost of transactions (agreed, the press release dates from before the Durbin amendment).

Fifth, it is clear that while PCI is needed at a minimum to protect data, costs are still climbing and PCI is not really protecting the industry efficiently enough. 

So, in this session, we will discuss what is behind the press releases and what to expect.

For this event, we will have executives from Visa and MasterCard who will be able to explain their plans, how they are different from each other and answer questions from the audience. The event will start with a presentation from Edgar Dunn & Co to provide a better understand overall of the EMV market. 


Jane Cloninger, Partner, Edgar Dunn & Co

Jane has over twenty years consulting and industry experience with financial institutions. She has broad experience in project management, new product development,  partner selection, both co-brand and processing, operations improvement and business planning and strategy. Her primary focus is payment systems, particularly credit cards. She has deep experience in card based payments on both the Issuing and Acquiring sides of the business. She has provided expert witness testimony for clients in matters involving credit card portfolio valuation and performance. Her clients include Merchant Acquirers, Issuers, Third Party Processors and credit card industry Associations.  Her expertise includes consumer and business related products.

Hap Huynh, Senior Business Leader, Visa, Inc.

Hap Huynh is a Business Leader in US Data Security for Visa Inc.  He is responsible for the payment application security program at Visa.  Prior to joining Visa, Hap worked for IBM on various data security projects with large governmental agencies and private corporations.

Oliver Manahan, Vice President, MasterCard

Oliver Manahan is the Vice President of Emerging Payments with MasterCard . In his role, Mr. Manahan is responsible for managing all aspects of MasterCard’s chip programs within the United States and Canada. Mr. Manahan has been with MasterCard since May 2006 and works closely with customers in defining and executing new payment strategies. Prior to joining MasterCard, Mr. Manahan was with Visa Canada for nearly a decade in the emerging products area. Mr. Manahan started his career in the Information Technology field, with companies such as Mercedes-Benz and Pepsi. Mr. Manahan is MasterCard’s Board Member for the Smart Card Alliance andchair of its Payments Council.

George Metropoulos, National Security Director, Discover

This event is sponsored by Exponent and ABNote:

 BayPay Forum Sponsor Exponent                           BayPay Forum Sponsor American BankNoteBayPay Sponsor Inside Secure


As usual, don't forget your business cards.

Click here to read the original Visa announcement from August 9, 2011.

Click here to read the original MasterCard announcement on its US roadmap for Next Generation of Electronic Payments

Have questions about BayPay Event - April 2, 2012 - EMV in the US - Why now, How and When to Get there? - More details from Visa and MasterCard? Contact The BayPay Forum
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When & Where

149 Commonwealth Drive
Menlo Park, CA 94025

Monday, April 2, 2012 from 6:00 PM to 9:00 PM (PDT)

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The BayPay Forum



If you are a member of the payment industry, you are invited to join BayPay, a networking group of the Silicon Valley focused on payments and composed exclusively of members in the payment community or investors in this area. If you are not yet a member and would like to join, reply to this email to get your free membership with a quick description on how you fit in the payment industry. Even after all these years, the payments industry is still expanding in both mature and emerging markets worldwide as the industry adapts to new market opportunities. New technologies including contactless cards, cell phone integration, biometrics, RFID and strong authentication are emerging and potentially creating new challenges for both financial institutions and their customers. Prepaid cards, gift cards, new forms of payment like PayPal, are all vivid demonstrations of the vibrancy of new thinking in the payments industry. With wireless ubiquity now essentially a reality, transaction aggregation and micro payments become a necessity. As the financial industry and merchants provide more and more services online, phishing emerges as a problem that requires more education and communication with consumers.

Objective BayPay's primary goal is to provide a face-to-face professional networking forum for the regular exchange of views on these issues among active professionals within the payments industry who are located in the San Francisco Bay Area. An online BayPay group on Yahoo! provides opportunities for members to interact among themselves between regular face-to-face meetings.

BayPay Is a joint initiative of Glenbrook, Edgar Dunn & Company and Daniel Chatelain from QSecure, Inc. that is open to other companies or individuals contributions.

Membership To ensure an appropriate level of professional participation, membership in BayPay group is by invitation only. BayPay members invite others to join based upon their own judgment as to who could best contribute to the group. To subscribe please go here.


Code of Conduct All information shared by BayPay members is considered their own personal opinion and does not represent the official position of any company. All member comments are not for attribution in any form whatsoever outside of the BayPay membership. While we would like any information exchanged in this forum or in our events remain private, members must understand that this is a semi-public group and there can be no assurance of confidentiality.

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BayPay Event - April 2, 2012 - EMV in the US - Why now, How and When to Get there? - More details from Visa and MasterCard
Menlo Park, CA Events Expo

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