Collaborative Ecosystem for M-Payments Workshop: A Workshop co-organized by the European Commission and ETSI
At the end of 2014, the number of mobile connected devices will exceed the number of people on earth, and already in February 2014 mobile access to the Internet surpassed fixed access. Whether to shop, move, buy concert tickets, pay bills or access banking services, mobile is becoming the preferred access path to online services.
In EU28, the mobile payments market is very fragmented with systems (proprietary or not) and pilots developed mostly at national level. Technical solutions are sometimes specified in standards organizations and consortia, but the emergence of a pan-European marketplace for m-payments might still be inhibited by the lack of cross-border standardized/interoperable technical solutions.
With regard to security in particular, the multiplicity of technical solutions adds to market fragmentation, to the complexity of the cost of rolling out and running the service. This ultimately constitutes a barrier (maybe the major barrier) to market uptake that all players, whatever their strategies and positions in the value chain, have a common interest in overcoming.
In view of this market context the European Commission and ETSI are co-organizing a workshop to kick start a collaborative effort to define a generic (i.e. technology agnostic) standardized security platform to enable secure and interoperable m-payments service delivery.
Session 1 - Landscaping Session 2 - Understanding the ecosystem and the issues TSMs point of view and issues faced Session 4 - Way forward European ICT standardization policy, philosophy and instruments Where do we go from here/ Next steps, actions and commitments Farid Aliyev, Financial Policy Officer, BEUC Jean Allix, Principal Administrator, Directorate General Competition, European Commission Antonio Conte, European Commission, DG Enterprise and Industry, Unit E4 "Key Enabling Technologies and Digital Economy" Stephanie Czák, European Central Bank Dag-Inge Flatraaker, General Manager, Group Payments Infrastructure at DNB Bank Jean-Stéphane Gourévitch Jorge B. Jensen, Head of Section Finance, Department of Consumer Advocacy, The Norwegian Consumer Council Claire Maslen, Senior Financial Services Manager, GSMA Susanne Molkentin-Lacuve, Oberthur Technologies Lauri Pesonen, Group Vice President, Global Head of Business Line NFC, Mobile Security, Giesecke & Devrient Agnes Revel Martineau, Head of Product Specifications, Standards and Industry Liaison at Visa Europe. Pierre Petit, Deputy Director General – Payments and Market Infrastructure, EUROPEAN CENTRAL BANK Luis Jorge Romero, ETSI Arnaud Roy, Solutions Manager and Regional Security Officer, Ingenico Stanley Wachs, General Manager, Greater Europe at PayPal
Chair EC/ETSI Luis Jorge Romero and Margot Dor
Opening/welcome – Why we are here today
Luis Jorge Romero, ETSI
Keynote speech: Commission's objectives with mobile payments.
Outcomes and findings of the EC Interservices group.
Erik Nooteboom, European Commission, DG Markt
Anatomy of the m-payments market in the EU: players, strategies, ecosystems
Mark Beresford, Edgar, Dunn & Co
Regulation: the legal and regulatory context (PSD2). Is it sufficient?
Jean Allix, European Commission, DG Competition
Do mobile payments differ from traditional electronic payments-if yes, how?
Jean-Stephane Gourevitch, Chappuis Halder UK
What users want: demand, requirements, expectations
Farid Aliyev, BEUC
Q/As - Discussion session
Chair Erik Nooteboom, DG MARKT and Franck Boissiere, DG CONNECT
Mobile operators point of view (p2p, SE) and issues faced
Claire Maslen, GSMA
Banks point of view and issues faced
Dag-Inge Flatraaker, European Payment Council (EPC)
Alan Ainsworth, Barclays
Lauri Pesonen, Giesecke & Devrient
Susanne Molkentin-Lacuve, Oberthur
Internet players point of view and issues faced
Stanley Wachs, Paypal
EMVCo's Role in supporting Mobile Payment Interoperability
Agnes Revel-Martineau, EMVCo
Card schemes points of view and issues faced
Agnes Revel-Martineau, Visa Europe
Concluding remarks by the Chair
Erik Noteboom/Franck Boissiere
Session 3 - Security and Consumer protection
Chair Pierre Petit, European Central Bank and Luis Jorge Romero, ETSI
Findings and recap of day 1
Luis Jorge Romero, ETSI and Pierre Yves Esclapez, DG Markt
Secure pay recommendations
Stephanie Czak, European Central Bank
Issues related to security - Fraud in mobile payments
Rolf Lindemann, Nok Nok Lab
Common cross sector security features: a technology agnostic security platform (so players can focus on VAS)
Kari Lang, ETSI Board
Security at POS
Arnaud Roy, Ingenico
Consumer protection / Privacy / Child protection
Jorge Jensen, Norwegian Consumer Council
UICC based NFC services
Jim Jun Wu, Samsung
5 standards for 1 to pay
Robert Brown, Trustonic
Security on a chip
Philippe Martineau, Rambus Inc
Q/As - Discussion session
Chair Antonio Conte, EC DG Entreprise & Industry and Luis Jorge Romero, ETSI
Antonio Conte DG Entreprise
Panel discussion moderated by Luis Jorge Romero and Antonio Conte
Conclusions, meeting adjourns
Farid Aliyev is a Financial Policy Officer at BEUC, The European Consumer Organisation, which acts as the umbrella group in Brussels for its members and its task is to represent them at European stage and defend the interests of all Europe’s consumers. BEUC members include 40 well respected, independent national consumer organisations from 31 European countries (EU, EEA and applicant countries). Mr. Aliyev is in charge of retail banking and payment services dossiers. Since his arrival at BEUC in 2008, Mr. Aliyev has been closely following the legislative and market developments in the EU retail payments sector from a consumer’s point of view. Prior to joining BEUC, Mr. Aliyev graduated from the College of Europe in Bruges and briefly worked in the insurance industry.
Since 2006, Jean Allix has been working in the Directorate General for competition of the European Commission in the unit in charge of antitrust for payment systems, dealing mostly with the SEPA issues. He is one of the authors of the Green Paper on "card, internet and mobile payment" and of the draft regulation on interchange fees for card-based payment transactions. From 2000 to 2005 he was in the Directorate General for the Internal Market, in the Unit in charge of "Retail issues and payment systems". He was then dealing with retail payment issues such as the Regulation on equal prices for national and cross-border payments or the first Payment Services Directive (PSD). From 1990 to 1999, Jean Allix worked in DG SANCO (Directorate-General for Health and Consumer protection) of the European Commission, dealing with financial services and e-commerce issues. From 1993 to 2002, he was a member of the European Commission Task Force created to organize the introduction of the euro. Before joining the European Commission, Mr Allix had worked for a consumer association and for the French competition authority. He has been dealing with payment issues since 1987. Mr. Allix holds a DEA in Economics (Paris X University 1975).
Antonio Conte currently advises on ICT standardisation policy in the Digital Single Market, with a particular focus on the e-business, e-procurement, e-signatures and RFID domains. He joined the European Commission in 1990 as project officer in the telecommunication domain. He has been involved in the last fifteen years in the development of ICT standardisation initiatives and activities in support of EU legislation and policies.
Before moving to Brussels, he served as system engineer in the Technical Headquarter of Italcable (STET group), the Italian international telecommunication operator based in Rome, where he was in charge of data transmission projects. He had previously served his military service in the Navy as a reserve officer.
He graduated in Electronic Engineering from the University “La Sapienza” in Rome.
Stephanie Czák joined the European Central Bank’s Oversight Division in 2008. As senior expert, she is responsible for the development and implementation of European oversight standards for payment systems and payment instruments. She coordinates the work of the European Forum of Retail Payments (SecuRe Pay), a cooperation of EU/EEA supervisors and overseers on issues related to the security of retail payments. In particular, she contributed to the SecuRe Pay recommendations on the security of internet payments, mobile payments and third party access to payment accounts. Prior to her engagement at the ECB, she was working for five years in the payments strategy department of the Austrian Central Bank.
Mr. Dag-Inge Flatraaker's academical background includes: Master Degree in Economics (University of Oslo) 1986 and a mid-career program at Harvard University (Boston) in Public and Business Administration 1993/94. He holds key positions both in the Norwegian and European payments landscape, including the European Payments Council (EPC) where he is member of the Executive Board and Chairman of the EPC Mobile-Channel Working Group. His professional background also includes a former career in Norges Bank (the Central Bank of Norway).
Director with Chappuis Halder and Cie. a growing global specialist consulting firm focusing on the financial services and banking industry (including the interactions with Digital technologies) and Managing Director of Mobile Convergence Ecosystems Ltd., his own consultancy focusing on providing strategic, market intelligence and public policy/regulatory services relating to the convergence between digital communications and other networked industries with a focus on mobile banking, mobile money, mobile payments, mobile commerce.
Jean-Stéphane has over twenty two years' International, European and UK senior management experience in the Digital and Mobile Communications ecosystem in particular in key Regulatory, Public Policy/Affairs and Strategy fields. He has held senior management positions with a number of blue-chip International telecoms and media businesses such as Everything Everywhere Ltd. (EE), Orange, Global Crossing, France Telecom, Verizon Business, Colt Technology Services Ltd. He has worked for OFCOM, the UK digital communications regulator. He also held senior management positions with Deloitte Consulting and with strategic marketing and PR/Communications firms.
A frequent speaker in conferences on mobile money/payments, Jean-Stéphane has co-organised an acclaimed conference in June 2014 on Mobile Payments: Innovation, Opportunity and Risk with senior speakers from Orange, Vodafone/M-Pesa, the European Commission DG Internal Market/Services and Competition, iZettle, Payleven, Consult Hyperion, etc.
Jorge B. Jensen heads the sections Finance in the Norwegian Consumer Council, a position he has hold for the last 6 years. Prior to this position he worked as a marketing consultant for the banking industry and within Financial Institutions.
Claire Maslen joins the GSMA with a wealth of experience in NFC and Mobile Commerce. Working in the Digital Commerce team, Claire will be responsible for managing the relationships in the Financial Services sector.
Since 2007, Claire led Telefonica's entry into the market of Near Field Communications. Claire was responsible for the launch and management of the successful O2 Wallet NFC trial in London and subsequent positioning of strategy and vision for Contactless services. As Telefonica continued to invest in the development of m-Commerce and Contactless, Claire's focus turned to driving the wider eco-system to create the demand for these new and exciting services. Previously within Telefonica she worked in the Technology Directorate where she enjoyed success with responsibility for delivery of data products and services for Tesco Mobile and O2's 3G network.
Claire also has a background in Data Networking, most significantly with Cisco.
Susanne Molkentin-Lacuve joined Oberthur Technologies as Head of Marketing of the Solutions Business Unit in April 2014.
Susanne has 20 years of management experience, mainly in the mobile telecommunication industry, with in-depth knowledge of B2B & B2C marketing, business development, innovation, project management, team building & management.
Prior joining Oberthur Technologies, Susanne held several positions held at Bouygues Telecom and has developed a broad experience in NFC (Near Field Communication), mobile services, public transport, ecosystem building and organization.
She was notably in charge of creating partnerships with banks, large retailers, transport operators and local authorities to build the NFC Cityzi offer of Bouygues Telecom and piloted its commercial launch in Nice.
Susanne is a German native speaker, bilingual in French and fluent in English.
Lauri Pesonen is the Global Head of Business Line NFC at G&D Mobile Security Business Unit. Lauri is responsible for G&D’s TSM and Mobile Wallet solutions, including also offering for Mobile Financial Services. Lauri has more than 20 years of experience from telecom, smart card and IT services industries.
Before joining G&D Lauri was the CEO of Venyon, originally a joint venture between Nokia and G&D and later part of G&D Group. Venyon was one the first commercial Trusted Service Managers in the NFC ecosystem to provide OTA services to mobile operators, banks, transport operators, retailers and other service providers by enabling consumer applications, such as credit cards and transport tickets, to be securely and easily provisioned and managed over-the-air on the NFC enabled mobile devices.
Before moving to Venyon, Lauri worked as Head of NFC Consumer Solutions at Nokia Emerging Business Unit. In this role, Lauri was responsible for the NFC business related to consumer solutions and services.
Prior to joining Nokia, Lauri worked in the smart card industry at Setec, now part of Gemalto. Lauri held various executive management positions at Setec, such as Head of Smart Card Division and Head of Sales.
In her current position, Agnes has cross organizational responsibility for Product Specifications and Standards.
Previous to this role, Agnes has worked in both the chip manufacturing industry and telecommunication industry.
Her background as Director of Key Accounts at Inside Secure and Senior Research Engineer at Siemens and Motorola gives her extensive experience in accelerating market readiness for new technologies.
Agnes has been actively involved in standardization activities for over 13 years, and took on several leadership roles within the NFC technology community, formerly serving within the NFC Forum as Chairman of the RF Testing Task Force, Chairman and Vice-Chairman of the TWG Devices group; and co-Chairman of the Pre-Certification Expert Group.
Pierre Petit holds a Master in Law (Catholic University of Leuven, 1973-79), a Master in Economics (Catholic University of Louvain-La-Neuve, 1973-79)
His career 1980-1990: National Bank of Belgium, Research Department; in 1986, was appointed Head of the Balance of Payments Unit of that department.
1990-1994: At the start of Stage One of EMU (July 1990), joined the Economic Unit of the Committee of Governors of the central banks of the Member States of the EEC (under the auspices of the Bank of International Settlements, Basel).
1994-1998: At the start of Stage Two of EMU (January 1994), joined the European Monetary Institute and was appointed Senior Adviser to the Head of the Monetary, Economics, and Statistics Department of the EMI.
1998: Was appointed Head of the Non-Monetary Policies Division of the Directorate General Economics of the European Central Bank when the latter was created in 1998. In 1999, became Counsellor to T. Padoa-Schioppa, Member of the Executive Board of the ECB, in 1999. Was appointed Principal Adviser to the Director General - International and European Relations in 2003 and Principal Adviser to the Director General - Human Resources, Budget and Organisation in July 2005.
2010: Was appointed Deputy-Director General of the Directorate General Payments and Market Infrastructure.
Luis Jorge Romero, Director General of ETSI, has more than 20-years experience in the telecommunications sector. Previously he has held diverse Director positions in Spain, Morocco and Mexico, predominantly with Telefonica. As Global Director for International Roaming and Standards, and Director of Innovation and Standards, he oversaw Telefonica's participation in global standardization activities, and participated directly in the work of the Next Generation Mobile Networks (NGMN) Alliance and in the GSM Association (GSMA). Before joining ETSI in July 2011, he held the position of Director General of Innosoft and was also a partner and board member of Madrid-based Innology Ventures.
Arnaud joined Ingenico in 2014 as Solutions Manager and Regional Security Officer (RSO) in the SEPA Europe Region. He is in charge of defining and building the solution offer of the company. As RSO, he ensures the alignment of the regional product and solution personalization with Ingenico security strategy.
Previously, he worked for 3 years at Verifone as R&D Director of Engineering and 12 years for Gemalto with different R&D positions including director of engineering and senior security manager. He also actively participated to SEPA CSG security workgroups as terminal vendors representative.
Since April 2013, as General Manager, Greater Europe, Stanley Wachs leads PayPal’s regional business strategy, sales, partnerships and merchant adoption of PayPal's newest payment innovations to transform commerce. He is responsible for developing PayPal into an online and mobile payments leader, as well as expanding the company's geographic reach, in the exciting, fast-growing domestic and cross-border trade markets of Scandinavia, Central and Eastern Europe and Turkey.
Stanley Wachs joined PayPal in November 2011, where he first held the role of Director of Strategy & Business Development Europe, Middle East & Africa, and then Director and Head of Global Business Development for Europe, Middle East & Africa.
Prior to joining PayPal, Mr Wachs worked at Western Union, where he held various business development and regional management roles contributing to Western Union’s global foot print expansion.
Stanley Wachs graduated from Harrow School, the European Business School and completed INSEAD’s International Executive Programme.
Session 1 - Landscaping
Session 2 - Understanding the ecosystem and the issues
TSMs point of view and issues faced
Session 4 - Way forward
European ICT standardization policy, philosophy and instruments
Where do we go from here/ Next steps, actions and commitments
Farid Aliyev, Financial Policy Officer, BEUC
Jean Allix, Principal Administrator, Directorate General Competition, European Commission
Antonio Conte, European Commission, DG Enterprise and Industry, Unit E4 "Key Enabling Technologies and Digital Economy"
Stephanie Czák, European Central Bank
Dag-Inge Flatraaker, General Manager, Group Payments Infrastructure at DNB Bank
Jorge B. Jensen, Head of Section Finance, Department of Consumer Advocacy, The Norwegian Consumer Council
Claire Maslen, Senior Financial Services Manager, GSMA
Susanne Molkentin-Lacuve, Oberthur Technologies
Lauri Pesonen, Group Vice President, Global Head of Business Line NFC, Mobile Security, Giesecke & Devrient
Agnes Revel Martineau, Head of Product Specifications, Standards and Industry Liaison at Visa Europe.
Pierre Petit, Deputy Director General – Payments and Market Infrastructure, EUROPEAN CENTRAL BANK
Luis Jorge Romero, ETSI
Arnaud Roy, Solutions Manager and Regional Security Officer, Ingenico
Stanley Wachs, General Manager, Greater Europe at PayPal