The last few weeks have been fertile in news around wallets and Mobile Payments. It started with the realignment of ISIS (JV between Verizon, AT&T and T-Mobile) on a mobile wallet instead of an alternative payment network and continued with the announcement of Visa of its universal ewallet that will become the de facto new 21st century network for eCommerce, Mobile Commerce and virtual goods. It is true that the acquisition of CyberSource and then PlaySpan shows that they are serious about it.
Then comes the wallet disclosed by Bank of America, JP Morgan Chase and Wells Fargo (the heavy weight in the US market) that wants to render PayPal obsolete as you will be able to use it to send money to your peers or merchants you transact with.
Finally, the week ended with the launch of the Google Wallet that will allow loyalty programs, couponing and payment transactions all in one Nexux S first on Sprint with MasterCard and Citi. The features will then be available on all mobile phones running Android with NFC.
So the race is on on this side of the Atlantic.
But what is happening on the other side, in Europe. Will it be driven by large businesses or by the European regulations? Have they created business models more adapted to their own market?
To figure it out, The BayPay Forum has decided to have an event in Europe this time with panels that will mix US and European companies on the same topics (Mobile Payments with NFC and without). The session will start with the presentations of 2 analysts on the Mobile Payment landscape in the US and Europe to set the stage of the discussions.
This FREE for members event is brought to you by The BayPay Forum and thanks to Inside Secure, our sponsor and with the collaboration of the POLE-TES. It is be on June 22nd from 1:30pm to 7pm Paris time.
As usual, bring your business cards to network with your peers involved with payments and commerce. Pre-registration mandatory and space limited.
Agenda of the event:
1:30pm - Registration & Networking
2:10pm - Introduction from Philippe Duron, House Representative and Mayor of the Caen city
2:15pm - Welcome
- Jean-Pierre Le Couedic, President, Pole TES
- Daniel Chatelan, Managing Director, The BayPay Forum
2:20pm - Overview of the US and EU market on Mobile Payment from 2 analysts
- Pascal Burg, Director, Edgar, Dunn & Company
- Angelo Caci, Managing Director, ADN'co
2:50pm - Panel: Mobile Payment without NFC
- Jean-Michel Guillaumond, International Retail Banking, Head of Innovation and Quality – Societe Generale
- Frédéric Jeanin, Directeur du developpement, Membre du Directoire, Monext
- Phong Rock – VP Global Markets – Obopay
- Benoit Delestre – CEO - 4G Secure
- James Patmore - Managing Director - Boku
- Moderator: Daniel Chatelain, Managing Director, The BayPay Forum & VP Startegic Alliances, QSecure
4:15pm - Panel: Mobile Payment with NFC
- Charlie Walton – COO – Inside Secure
- Jeremy Belostock – Head of NFC - Nokia
- Didier Durand, Mobile Contactless Services Director, Orange
- Holger Kunkat, Marketing Director Infrastructure, NXP Semiconductors
- Moderator: Michel Delaux – TAZTag – General Manager & Founder
5:30pm - Networking Session with food and refreshments
7pm - End of the session
Angelo Caci - Managing Director - ADN'co
ICN – ESSEC, 48 years old, plus 25-year experience in business development and management in the field of e-business and payments in France and abroad; starting in the 80’s in Sligos (at the time, largest French payment processor) and continuing for 16 years in the Atos Origin group (2nd largest IT services company), especially within the Atos Worldline branch, European leader in e-business, CRM and payment related services. Has been co-heading the French payment consultancy ADN’co for 2 years and advising clients in the banking and non banking sectors in many directions : development of new services, adjustment of their own solutions and platforms, international roll-out, alliances and partnerships, innovations, impacts of new regulations…
Pascal Burg – Director – Edgard Dunn, & Co
Pascal is a Director with responsibility for the Paris office. He has been with Edgar, Dunn & Company (EDC) since 1999 and has worked in the London, Sydney and San Francisco offices. Pascal has over 12 years of consulting experience in business strategy for financial services clients in multiple European, Asian and North American countries, and over four years of line management experience within the UK financial services industry. His core competencies include business case development, new product development, strategic planning, market entry strategy, benchmarking. Pascal has managed a large number of strategic planning, marketing strategy and implementation projects for clients including issuers, acquirers, card associations and large merchants such as airlines. He received his MBA from Lancaster University in the United Kingdom and his Business Degree from Ecole Supérieure de Commerce de Lyon in France.
Non NFC panel:
Phong Rock – VP Global Markets – Obopay
Phong leads international business development and market expansion at Obopay. He is responsible for the company’s client and partner initiatives outside of the US and Canada. Phong’s career spans across twenty years of payments and financial services industry experience from work in the United States and multiple markets across Europe, Latin America and Asia-Pacific.
Prior to joining Obopay Phong founded and served as Managing Partner for RedRock Consultants LLC, a professional management & payments strategy firm whose clients included Visa International, MasterCard Worldwide and a wide collection of global banks, acquirers and multinational merchants.
Before this, Phong served as a Director in Visa International‘s Commercial Solutions Group where he led the management and marketing of Visa’s Corporate Payment solutions. He also spent over ten years in the Banking industry, including several years with Washington Mutual as Vice President of Small Business products and over eight years with Well Fargo Bank in various roles with retail and merchant deposit and cash management solutions.
Phong specializes in the development and deployment of innovative payment programs in new markets around the globe.
Frédéric Jeanin - Directeur du developpement, Membre du Directoire - Monext
Frédéric Jeannin, 48, is a graduate of HEC's Executive MBA program. He has spent most of his career with Atos Origin where he held various technical positions before becoming head of business development for several group activities. He was business development manager for IT Outsourcing from 2003 to 2007 and then in 2008 became head of business development for the Utilities, Energy, Telecoms and Media sectors in France. In January 2009, he was appointed head of the Telecoms and Systems Integration France business unit.
James Patmore - Managing Director - Boku
James has been leading business, strategy and general management functions at leading mobile and mobile services companies for over fifteen years. Before coming to BOKU he was Vice President of Amdocs Interactive division in EMEA and Asia Pacific. Prior to Amdocs, he worked as Vice President, EMEA at the digital commerce software and services provider Qpass. James has also led business development for O2 Data Products in the UK, as well as the digital music community, Vitaminic, which he helped lead to a successful IPO on the Italian Stock Exchange in 2000. James began his career with a number of years at British Telecom, where he held senior positions in the cable TV and Internet service provider businesses.
Jean-Michel Guillaumond - International Retail Banking - Head of Innovation and Quality – Societe Generale
Within the International Retail Banking Division of Societe Generale, a major part of Jean Michel’s job centres around promoting quality and introducing innovative services and tools driven by technological and cultural changes. He also contributed to marketing and operational efforts for Societe Generale’s expansion projects in Asia.
Benoit Delestre – CEO - 4G Secure
After graduating in 2000 from an international business school, EBS (European Business School), Benoît DELESTRE joined PROVAL, specialized in providing services and consulting dedicated to the insurance companies. There he created the “web” department based on the new information technologies available at the time. After three enriching years, Benoît was able to sell the company, CEGEDIM, leader and expert on the new information technologies in the health industry.
This first successful experience as a manager pushed him to become a true entrepreneur by creating in 2003, IPS France then Integri, specialized in testing tools in the payment industry.
He managed a Sales and Technical team which was part a testing laboratory until he integrated, in middle of 2008, Clear2pay. During his stay he took the company it into a completely different strategy.
The development of Integri on different regional markets such as south of Europe, Africa and the Middle East, took him 5 years after which it was bought by Clear2Pay in 2008. This was a symbol of the company’s strategy for big payment solution developers.
During these long years dedicated to his clients in the payment industry, he saw the rise of the first mobile business models and its numerous uses.
It presented itself as a new challenge for him just like the Internet in 1995. He started to get to probe and deepen his knowledge in this new market by working at Mobiletag for one year. Then he created his own company, 4G Secure specialized in the payment industry
Since 2010, 4G Secure is growing up, thanks to big integrators like IBM, CAPGEMINI, OBERTHUR, SOPRA and direct customers as CHEQUE DEJEUNER and is going to be a reference trademark for banks and banking networks.
Charlie Walton – COO – Inside Secure
Charles Walton has over fifteen years of experience in the smart card payment sector. From 2003 to 2005, he was COO of Diversinet, a company listed (symbol: DIV) on the Toronto Venture Exchange, and specializing in secure wireless management solutions. In 2001, Charles founded Caradas, an online security systems firm, which he ran until 2003, at which time the company was acquired by Diversinet. Before that, he managed Securify's security services, was COO at CertCo and was Head of E-commerce at Spyrus. In addition, he co-founded GTE's PKI-focused CyberTrust subsidiary and played an integral role in the signing of key contracts with MasterCard and American Express. He possesses a Bachelor of Science in computer and systems engineering from Rensselaer Polytechnic Institute (United States).
Michel Delaux – TAZTag – General Manager & Founder
Having worked in various IT industries and roles, from Engineering Services to e-Commerce and Hardware Service Sales Management, Michel Delaux is using his 20+ years experience in IT with skills spanning from technical to bizdev and sales, to now develop TazTag (co-founded in 2008) at an international level.
TazTag DNA is all about making something real and revenue generating with contactless technology such as NFC and Zigbee, by creating high secure infrastructure equipments and mobile devices using NFC & Zigbee.
Holger Kunkat, Marketing Director Infrastructure, NXP Semiconductors.
Since 2002 Holger is working in different responsibilities (Product Management and Marketing) on NFC in mobile and infrastructure segments. Several year's experience in various standardization bodies and special interest groups as ECMA, ETSI and the NFC Forum. Since foundation of the NFC Forum til Oct 2007 acting as Chairman of the Technical Committee and from September 08 till February 201 as chairman of the Devices Working group within the NFC Forum.
Since Aug2010 up to now Holger acts as Marketing Director Infrastructure to establish NFC integration in various infrastructure segment , e.g POS terminal.
Didier Durand - Mobile Contactless Services Director - Orange
He began his career in 1993 in France Telecom Group. From 1998 to 2002, he was group internal auditor and had done recommendations to the top management of audited entities. He then joined the mobile activity as business owner on prepaid and loyalty information system on consumer market.
From 2005 to 2007, as MNP (Mobile Number Portability) Program Director, he was responsible for the stage 2 of MNP implementation in France launched in May 2007. In January, 2008, he was promoted as Director of project transverse within the partnerships direction of Orange France.
In addition, since April 2009, he became Mobile Contactless Services Director to deploy theses services in France, and especially to establish partnership with the contactless service providers. He’s Vice President of the AEPM (European association payez mobile : www.payezmobile.com ), and administrator in the boards of the AFSCM (French association of mobile contactless services : www.afscm.org) and the forum SMSC ( French association created by the French government www.forum-smsc.org).
Jeremy Belostock - Head of NFC Business Development - Nokia
Jeremy has been working with NFC at Nokia since 2006, and is
today responsible for creating the company’s NFC strategy and ensuring the
successful market introduction of its NFC offering. Jeremy played an
instrumental role in driving the company’s early support of the NFC ecosystem,
supporting Nokia’s participation in some 90% of all NFC industry projects
Jeremy joined Nokia in 2001, initially working in a sales operations role across the EMEA region. Prior to this he worked in sales roles for Microtouch Systems in France, Switzerland and the United States. Jeremy is originally from Boston, Massachussets, but has lived in Paris for almost 20 years.
Jean-Pierre Le Couedic - President - Pole TES
From its first job in France Telecom (in the late 80’s), where he had the opportunity to launch the Vikman project in collaboration with the regional council of Basse-Normandie (Vikman was the parent of the internet network for research), to his current position as a Chief Executive Officer of Vinaya, Jean-Pierre Le Couedic proved his involvement in the field of innovation and the E-Secure Transactions.
In addition Jean-Pierre Le Couedic took part in the creation of Oléane, first French internet network dedicated to companies. More recently he created Monext, a french company specialized in the e-payment transactions.
As Monext has been brought by Crédit Mutuel-Arkéa, he has been assigned to assist all innovative actions regarding the E-secure Transactions world. He was elected as a president of the E-Secure Transactions cluster one year ago.
Daniel Chatelain - Managing Director - The BayPay Forum & VP Strategic Alliances - QSecure
Daniel Chatelain started his career more than twenty years ago as a
pioneer of the Minitel, focusing on banking, telecommunication and media
services. He is a serial entrepreneur and has launched several
technology ventures within the EADS Group (Airbus, Ariane Espace,
Eurocopter) and the Lagardere Group (Elle, Woman's Day, Car &
Driver, Hachette, Canal Satellite).
Mr. Chatelain graduated in 1982 from the University of France with master's degrees in physics and mathematics, and a specialty in semiconductors. He is on the advisory boards of several start-ups in the Silicon Valley and Europe. He is also a founder of BayPay, a Silicon Valley networking group specializing in payments.
Stay tuned for more details.
When & Where
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.