VISIT OUR WEBSITE:
www.fleminggulf.com
8th Annual Middle East Retail Banking Forum
 Synergizing Retail into Retail Banking 
15 – 17 April 2013, Habtoor Grand Beach Resort & Spa, Dubai – United Arab Emirates
CONFIRMED SPEAKERS & PANELISTS
Suvo Sarkar, Emirates NBD PJSC
General Manager – Retail Banking
George Beatty, National Bank of Abu Dhabi
General Manager, Consumer & Elite Banking
Ajay Makhija, SAMBA Financial Group
Group Head – Global Consumer Bank
Suresh Bajpai, Doha Bank
Head of Retail Banking
Dinesh Sharma, Citibank NA
Head of Consumer Bank – MENA Region
Sanjay Malhotra, National Bank of Kuwait
Head of Retail Banking: Middle East & North
Africa
Harshdeep Singh Munjal, National Bank of
Oman
General Manager – Retail, Private & Overseas
Banking Group
Abdul Rahman Turki, Bahrain Islamic Bank
General Manager, Retail Banking
Gary Mond, Al Khalij Commercial Bank (al
khaliji) QSC
Head of Consumer Banking
Axel Hofmann, Bank of Bahrain & Kuwait
Head of Retail Banking
D Anand, Qatar Islamic Bank
General Manager, Personal Banking
David Power, Commercial Bank
International PSC
Head of Retail Banking Group
Ziad Fatayer, Jordan Commercial Bank
Assistant General Manager: Retail Banking Group
Head
R. Narasimhan, Bank Sohar SAOG
Deputy General Manager – Head of Retail Banking
Division
Khawaja M. Almas, Allied Bank Limited
Group Chief, Commercial and Retail Banking
Group
Richard Fraser, FIS Global
General Manager of Retail Banking: FIS EMEA
Marwan Arakji, Bank Audi SAL – Audi
Saradar Group
Deputy Head of Group Retail Banking
Sundar Parthasarathy, Abu Dhabi
Commercial Bank
Executive Vice President – Head of Consumer
Assets
Rana Zeeshan Saleem, Emirates NBD PJSC
Head of Assets and KSA Retail Banking – Retail
Banking Group
Raffy A. Karamanian, Bank Audi SAL – Audi
Saradar Group
Head of Delivery Channel – Group Retail Banking
Amitava Mandal, Wipro Limited
Practice Manager – BFSI
Girish Advani, First Gulf Bank
Senior Vice President – Cards Business Head
Shekhar Krishnamurthy, Emirates NBD PJSC
Head of Liabilities & Wealth Management: Retail
Banking
Redha Al Lawatia, Bank Sohar SAOG
Head of Business Development and Liabilities:
Retail Banking
Burak Ali Gocer, Garanti Bank
Coordinator – Retail Banking
Stephen Foster, du | Emirates Integrated
Telecommunications Company PJSC
Director: Financial Services - Commercial
Ghanashyama Mahanty, Citibank NA
Senior Vice President – Head of Marketing
Analytics and Insights: Europe, Middle East and
Africa
Raman Muralidharan, HSBC Bank Middle
East Limited
Regional Head of Customer Value Management:
Retail Banking & Wealth Management – Middle
East & North Africa
Jelmer de Jong, Backbase
Global Head of Marketing
Dean Young, SunGard
Vice President, Product Management, Ambit Retail
Banking
Praveen Bandekar, Union National Bank
Head of Retail Product Division
Mamoun Alhomssey, Abu Dhabi Islamic
Bank (ADIB)
Executive Vice President | Head of ITD
Mahendran Subramaniyan, Polaris Financial
Technology Ltd
Senior Vice President – Head of Customer Business
Exchange Platform
Atanu Ganguli, Polaris Financial Technology
Ltd
Senior Vice President – MEA & Turkey
Margaritis Manos, EXUS
Deputy CEO
Peter B. Schultz, MasterCard Worldwide
Vice President, Mobile Payments: Middle East and
North Africa
Rémi De Fouchier, Gemalto
Vice President, Marketing & Communication:
Telecommunication Division
Naji Moukadam, SAB
Managing Director – SAB International
Hari Baskaran, Axslogic Pte Ltd
Founder CEO
Jiri Jaros, Adastra Business Consulting
(ABC)
Partner
Vivek Agarwal, Dun & Bradstreet (D&B)
Senior Vice President and Head of Banking
Solutions
Jiri Zivnustka, Adastra Business Consulting
(ABC)
Partner
Hussain Mazhar, Gulf International Bank
Senior Vice President and Head of Customer
Solutions
Mujtaba Naqvi, HBL (Habib Bank)
General Manager: Retail Business Planning &
Development
Tariq Razi, Dubai Islamic Bank
Vice President and Head of Asset Products:
Consumer Banking Group
Mohamed Roushdy, Bank Nizwa
Chief Information Officer
Ghiath Halabi, VeriPark
Engagement Director
Simanta Das, Mashreq PSC
Head of Liabilities: Retail Banking Group
Daniel Melo, FICO
Senior Director – Pre Sales Consulting
Huseyin Deniz, Istanbul Gold Refinery
Gold Banking Business Development Manager
Elvino Krizmanic, Infobip
Head of Global Enterprise Sales
Pieter Sleeboom, Cobone.com
Chief Operations Officer
Booking Line: + 971 4 6091564, fax: + 971 4 6091589
email: [email protected], www.fleminggulf.com
OUR VALUED SPONSORS & PARTNERS
STRATEGIC PARTNER
PREMIUM SILVER SPONSOR
ANALYTICS PARTNER
BRONZE SPONSOR
PREMIUM GOLD SPONSOR
SILVER SPONSOR
ASSOCIATE SPONSOR
SUPPORTING SPONSOR
GOLD SPONSOR
SILVER SPONSOR
BRONZE SPONSOR
EVENT PARTNER
GOLD SPONSOR
SILVER SPONSOR
BRONZE SPONSOR
EXHIBITOR
MEDIA PARTNERS AND SUPPORTERS
A Non-Governmental Organization in special consultative status
with the Economic and Social Council of the United Nations
Where Hedge Funds and Investors Come Together
SILVER SPONSOR
BRONZE SPONSOR
EXHIBITOR
Booking Line: + 971 4 6091564, fax: + 971 4 6091589
email: [email protected], www.fleminggulf.com
ATTENDANCE PROFILE
Chief Executive Officer
5%
UAE
Chief Operating Officer
4%
Qatar
Group Head of Retail Banking
23%
Oman
Head of Consumer Financial Services
12%
Saudi Arabia
Head of Branch Banking
29%
9%
8%
20%
10%
Bahrain
6%
Head of Retail Distribution
8%
Kuwait
5%
Head of Consumer Assets
7%
Egypt
4%
Head of Retail Liabilities
7%
Lebanon
3%
Head of Wealth Management
2%
Jordan
3%
Head of Retail Products
7%
Pakistan
5%
Head of Customer Service Quality & Experience
3%
Sub-Saharan Africa
6%
Head of Alternate Delivery Channels
4%
Others
2%
Senior Consultants
8%
HOT SPOTS
FIND YOUR REASONS TO ATTEND
GURU Panel
Exploring what retail banking has to offer in the New Generation
Panel Discussion
Experiencing how retailers sell more and serve better their clients as
compared to retail bankers
Panel Discussion
Improvising an adequate sales strategy to increase volumes and reduce
cost
Expanding your retail distribution and electronic network
Capitalizing on serving micro customers with better consumer financial
product and services
Venturing into new business areas to capitalize on growth avenues
Embed a cultural change within your retail banking environment
Learning from the region and the best in the world on how retail
banking can be done better
SNAPSHOTS PAST ANNUAL RETAIL BANKING SERIES
GEOGRAPHICAL PROFILE
Exploring New Avenues for
Retail Business Growth
Leveraging in the Online
Shopping Business to Boost
Consumer Financial Services
The Customer Channel
WHO MUST ATTEND
President, CEO, COO, CMO, Chief Officer, Senior Vice President,
Group Heads, Directors, Managing Executive, Senior Executive,
General Manager, Senior Manager, Global Head, Head of:
Retail Banking, Personal Banking, Consumer Banking, Individual
Banking, Branch Banking, Priority Banking, International Retail
Banking, Remote Banking, Islamic Retail Banking, Islamic
Banking, Business Banking, Direct Banking, Electronic Banking,
Personal Financial Services, Wealth Management, Private Clients,
Consumer Finance, Consumer Lending, Consumer Credit, Retail
Assets, Retail Liabilities, Retail Loans, Secured Lending, Unsecured
Lending, Branch Sales, Branch Management, Delivery Channels,
Retail Distribution, Alternate Channels, Product Development,
Retail Product Risk, Affluent, SME, Retail Strategy, Retail Marketing,
Personal Finance, Personal Loans, Cards, Retail Customer
Management, Customer Experience, Business Development and
Retail Operations.
Booking Line: + 971 4 6091564, fax: + 971 4 6091589
email: [email protected], www.fleminggulf.com
Day 1, 15th April 2013
8:00
Registration and Coffee
8:50
Welcome Note from Fleming Gulf
9:00
CHAIRMAN OPENING REMARKS
9:10
13:00
14:00
KEYNOTE
Transforming core business processes
Making the client-focused model effectively work
Changing people mindset into doing branchless banking
Supporting the financial services business by opening a retail shop – make
shopping and banking work together
• Best Practices and Key Take-aways
Suresh Bajpai, Doha Bank
Head of Retail Banking
Middle East Retail Banking Outlook – The Big
• Retailing Practices in the Middle East as opposed to Retail Banking
• Emerging Trends Worldwide – What to add in our Basket?
• Key Focus – Building Regulator Awareness to accept a Strategic Change in Retail
Banking
• Significance of Partnerships, Innovations, Technology & Customers
• The Road Ahead for Middle East Retail Banking – Winning Formula
14:30
Sacrifice to Succeed: Increasing Sales Volumes by
Lowering Profit Margins
•
•
•
•
•
Building an Appetite for Reducing Margins to increase Sales
Key Elements to Consider when Reducing Margins: The Tolerance Factor
Increase the Branch Walk-in Count to Boost Sales Volumes
Effective Retail Sales Methods & Techniques
Improvising Effectiveness across Sales Channels: Branch, Call Centre and Online
Sundar Parthasarathy, Abu Dhabi Commercial Bank
Executive Vice President – Head of Consumer Assets
15:00
Morning Coffee Break and Networking
10:30
GURU Panel | Exploring New Avenues for Retail Business
Growth
FEATURED PANEL SESSION
Retail banking is now in a phase where the conventional products are currently
losing their charm based on several factors that includes people, technology, service
and innovation. If we look at the people factor, credit products are now being
bought cautiously where today’s customers now focus more on clearing outstanding
payments and managing their spending. Where to from here for retail banking? The
panel session will feature GURUs from the retail banking sector where each panelists
will touch upon strategies for retail banks to implement in terms of generating
revenue growth through alternate business channels.
Amitava Mandal, Wipro Limited
Practice Manager – BFSI
15:30
16:00
Featured Panelists:
Dinesh Sharma, Citibank NA
Head of Consumer Bank – MENA Region
D Anand, Qatar Islamic Bank
General Manager, Personal Banking
Sanjay Malhotra, National Bank of Kuwait
Head of Retail Banking: Middle East & North Africa
Ajay Makhija, SAMBA Financial Group
Group Head – Global Consumer Bank
David Power, Commercial Bank International PSC
Head of Retail Banking Group
George Beatty, National Bank of Abu Dhabi
General Manager, Consumer & Elite Banking
Ziad Fatayer, Jordan Commercial Bank
Assistant General Manager: Retail Banking Group Head
Marwan Arakji, Bank Audi SAL – Audi Saradar Group
Deputy Head of Group Retail Banking
Moderated By:
Suvo Sarkar, Emirates NBD PJSC
General Manager – Retail Banking
11:30
16:30
Daniel Melo, FICO
Senior Director – Pre Sales Consulting
17:00
Featured Panelists:
Daniel Melo, FICO
Senior Director – Pre Sales Consulting
Praveen Bandekar, Union National Bank
Head of Retail Product Division
Gary Mond, Al Khalij Commercial Bank (al khaliji) QSC
Head of Consumer Banking
Suresh Bajpai, Doha Bank
Head of Retail Banking
Girish Advani, First Gulf Bank
Senior Vice President – Cards Business Head
Pieter Sleeboom, Cobone.com
Chief Operations Officer
Moderated By:
Suvo Sarkar, Emirates NBD PJSC
General Manager – Retail Banking
Capitalizing Growth on Core Product Lines through an
Effective Bundling Strategy
D Anand, Qatar Islamic Bank
General Manager, Personal Banking
12:30
Next Generation Retail Banking – Social Money
• Retail Banking in the Age of Apponomics: How Social Media and Apps can change
Retail Banking
• Social Money: The Operating Model
• Driving new revenue and market segments using social media
• Case Study and Best Practices
Richard Fraser, FIS Global
General Manager of Retail Banking: FIS EMEA
Panel Discussion | Leveraging in the Online Shopping
Business to Boost Consumer Financial Services
Shopping in the Middle East and around the world is set to become more
sophisticated as an increasing number of international retailers sell their products
online. The amount of online shopping conducted globally is set to double. Current
online sales represent 5 per cent of their total, in two years they estimate this will
double to 10 per cent. Some important facts to consider:• Changing The Traditional Way: Given the growth in participation levels for Webbased auction sites, group discount sites and flight and hotel bookings engines,
online retailers would opt offer shoppers the chance to use online kiosks in their
stores.
• The Road Ahead: Although 70 per cent of international retailers view their
businesses as based in physical stores, 63 per cent say by 2014 their businesses will
be fully integrated with online shopping and mobile apps.
• Technology in Online Retail: Mobile Applications or Smart phone – enabled
websites to offer online retail facility within the next two years.
• Creativity in Marketing: Successful online retailers will have to become more
creative in their offer in order to entice shoppers away from organized formats.
• What’s in for Consumer Financial Services: With the given growth of online
shopping, what opportunities lie between building a partnership between the
Online Retailer and the Retail Bank to provide customers with value add financial
services besides a card payment option?
Ajay Makhija, SAMBA Financial Group
Group Head – Global Consumer Bank
Overview of Product Lines & Retail Offerings
Identifying the right Core Products to add value to the main Product
Increasing Performance of Bank Profitability and Sales Volumes
Measuring the Feasibility of the Bundling & Unbundling the Product
Best Practices and Lessons Learnt
Redefining Consumer Finance Offers – Matching
Innovation to Change
• Profitably matching lending propositions and risk appetite to meet regulatory and
economic challenges
• Time-to-Event Modelling – Sophisticated marketing across multiple channels
• Prosper in the mobile economy by driving every decision and action to successful
outcome
• Customer Profitability & Proactive Risk Management – Decision optimization to
implement decisions with great accuracy and timing
The Saudi Arabian Retail Banking Experience
•
•
•
•
•
The Innovative Direct Selling for Banking (VeriTouch DSA)
Ghiath Halabi, VeriPark
Engagement Director
• Retailing in Saudi Arabia benchmarked against the Rest of the Middle East
• High Volumes of Retail Sales in Shopping Malls and Markets – Learnings for Retail
Banks
• Scope for Developing a Supreme Retail Banking Strategy to boost Economic
Growth
• Key Drivers of Retailing in Saudi Arabia within the Consumer Financial Services
Sector
• Tested & Applied Formula, Best Practices and what is there to Learn from the
Saudi Arabian Experience
12:00
Afternoon Coffee Break and Networking
The presentation will cover how DSA could close deals in one visit and demonstrate:
• Fast capture personal and financial information of the customer.
• Offer the best terms using products calculator
• Check eligibility and provide an offer.
Panel Discussion:• Designing and Delivering New Products and Services for a variety of Customer
Base
• Implementing the Prepaid Card Payments Option for Youth & Low-income Earners
• Enhancing Branchless Banking Services & Penetrating Full-Fledged into Mobile
Payments
• Dealing with Retail Partners and providing Value Added Products & Services
beyond the Co-Branded Credit Cards
• Exploring more options into banking Secured Lending
• Win-Win Marketing Strategies that derives the pull factor amongst customer from
the Locals/Nationals, Expatriates, Tourists and Investors
• What more to offer to the SMEs?
Credit Engineering – Loan Decision Making, Sustainable
Growth and Credit Risk Management
• Credit plays a pivotal role in Modern Day Economy
• Credit is “risky” in terms of its dependency on several factors
• Changes could cover major areas like Structure of Banks, Structure of Financial
Markets and convergence of major functions to a common framework of Policies
and Guidelines.
• Banks need to be resilient, and prepare themselves to achieve growth, without
compromising quality of Credit.
Praveen Bandekar, Union National Bank
Head of Retail Product Division
10:05
Multichannel Excellence in Retail Banking
• Dealing with the Customer’s Channel of Choice by Enabling End to End
Transactions
• Standardization and Maintaining Consistency in Customer Experience across all
Delivery Channels
• Seamless Multichannel Integration:▪ Enable Multichannel Transactions
▪ Additional Revenue enhancement through cross channel sales
▪ Higher customer satisfaction due to broad channel usage
Sanjay Malhotra, National Bank of Kuwait
Head of Retail Banking: Middle East & North Africa
9:35
Business Transformation: Changing the Retail Experience
•
•
•
•
Suvo Sarkar, Emirates NBD PJSC
General Manager – Retail Banking
Picture
Lunch Break and Networking
17:30
Closing Remarks from the Chair
17:40
End of Day 1
Speakers & Delegates are cordially invited to a
Networking Cocktail Reception
Booking Line: + 971 4 6091564, fax: + 971 4 6091589
email: [email protected], www.fleminggulf.com
Day 2, 16th April 2013
8:00
Registration and Morning Coffee
8:50
Welcome Note from the Chairman
9:00
Channel Diversification – Adapting to Innovative
Alternate Channel Services or being The Flintstones
Gary Mond, Al Khalij Commercial Bank (al khaliji) QSC
Head of Consumer Banking
Long live banking for good old banks. Do we have enough customers in our bank?
If yes – you may skip the presentation, if no... let’s talk.
• Alternate Delivery Channels are all out there. You have the branches, ATMs,
Mobile, Online, e-Banking – but are you still effectively reaching your
customers?
• In comes branchless banking – going beyond what the traditional customer
channels are producing
• Branchless banking in Pakistan
• Supplying Value Added Products & Services that best fits the Branchless Banking
Model
• Measuring Efficiency & Productivity – understand your symptoms and measure
your results
• Keys to success of a performance centric strategy
Axel Hofmann, Bank of Bahrain & Kuwait
Head of Retail Banking
12:30
Hari Baskaran, Axslogic Pte Ltd
Founder CEO
13:00
Mujtaba Naqvi, HBL (Habib Bank)
General Manager: Retail Business Planning & Development
9:30
Key topics covered in this presentation:
Raffy A. Karamanian, Bank Audi SAL – Audi Saradar Group
Head of Delivery Channel – Group Retail Banking
13:30
14:30
• How to create a superior online experiences without replacing your existing
systems
• How to create a single online banking platform supporting your customers on
any device (PC, iPad, iPhone, Android etc.)
• How to enable eBusiness professionals to easily manage your Bank 2.0 portal,
reducing IT dependencies
• How to services different customer segments and individual users in a
personalized and relevant manner (my size fits me)
• How to integrate your open and closed banking environment into a seamless
customer journey
• How to generate extra online revenue with intelligent web forms and smart
cross- and up-sell campaigns
Lessons learned from the Crisis: Adapt fast or perish
• Where are the banks after the crisis?
• Why is it important to be able to adapt fast?
• Some principles for fast adaption
Margaritis Manos, EXUS
Deputy CEO
10:30
Morning Coffee Break and Networking
11:00
Capitalizing on the Masses & Micro Segments to Boost
Retail Experience
• Mass Population Market Size
• The Consumer Appetite for Financial Services
• Approaches on how to Bank the Un-Banked and Effectively Delivering Financial
Services to the Poorest of the Poor
• Utilizing a Strong Agency Backed Network to Reach & Deliver Customer
Solutions
• Partnerships & Tie-Ups: Making the Customer’s Experience Fruitful
Harshdeep Singh Munjal, National Bank of Oman
General Manager – Retail, Private & Overseas Banking Group
11:30
12:00
15:00
Gold Banking Solutions
• Collecting Scrap Gold
• Gram Gold
• ATM Gold
15:30
Afternoon Coffee Break and Networking
16:00
How can banks leverage technology to better engage
with their customers?
• Bank customers of today have become more demanding and their expectations
have also increased and become more complex, inter-related and connected
with multiple levels in the value chain.
• With advancements in technology, banks today have available technology
platforms to differentiate themselves and capture more new customers while
maintaining existing ones through multiple channels and end-to-end solutions.
• Banks can now engage better with smart analytics, understand better its
community and service better its customers everywhere, coupled with core and
supporting applications developed on these advanced technology platforms.
Digitalisation of the Branch
Naji Moukadam, SAB
Managing Director – SAB International
16:30
How to Do Business Better – Rethink it Differently and
Outdo the competition!
• Where is the “real” value of retail banking, and how to apply processes to serve
the clients effectively?
• How to combine the tools you have (Selling, Services, Products, Channels) to
develop your portfolio as best as possible?
• How to understand your clients’ needs and risk to maintain the optimal
performance of your organization?
• How to maintain a healthy balance between risk and sales?
Maintaining Finest Customer Experience while Reducing
Cost to Serve Your Customers
• Cost reduction and performance optimization as a strategic direction
• Identifying key opportunities to lower the cost and increase productivity to
serve your customers better:
▪ Streamlining your organization
▪ Extracting higher value from your existing capabilities & infrastructure
▪ Implementing self-help online channels
▪ Leveraging business process re-engineering to optimise your efficiency and
eliminate waste
▪ Outsourcing non-core processes
▪ Focus your strategy on higher profitable market segments (Affluent &
priority customer segments)
• Customer Service segmentation
• Develop a clearly differentiated customer segment service proposition
Panel Discussion | The Customer Channel
• Customers want convenience and simplicity in doing banking
• More skill sets required to entertain affluent customers
• Driving process excellence and embedding a lean culture across direct customer
channels to ensure quicker response time
• Making client centricity happen effectively across new product development
• Improving time-to-market of new products and services
Huseyin Deniz, Istanbul Gold Refinery
Gold Banking Business Development Manager
The branch of the future has a vital place in banks’ overall channel strategy. But
consumer behaviour is shifting with technology at the centre of this shift and
branches cannot survive in their traditional form. Digitalising the branch network
to align with changing consumer and economic realities can help banks boost their
staff & operational efficiency, showcase innovation capabilities and enhance the
overall customer experience.
• The factors contributing to the paradigm shift in the way banks need to think
about service and engagement
• The ROI of Great Customer Experience
• Branch of the future – what could it look like?
Dean Young, SunGard
Vice President, Product Management, Ambit Retail Banking
Joint Presenter:
Mamoun Alhomssey, Abu Dhabi Islamic Bank (ADIB)
Executive Vice President | Head of ITD
Lunch Break and Networking
Featured Panelists:
Axel Hofmann, Bank of Bahrain & Kuwait
Head of Retail Banking
Raman Muralidharan, HSBC Bank Middle East Limited
Regional Head of Customer Value Management: Retail Banking & Wealth
Management – Middle East & North Africa
Abdul Rahman Turki, Bahrain Islamic Bank
General Manager, Retail Banking
Rana Zeeshan Saleem, Emirates NBD PJSC
Head of Assets and KSA Retail Banking – Retail Banking Group
Richard Fraser, FIS Global
General Manager of Retail Banking: FIS EMEA
Atanu Ganguli, Polaris Financial Technology Ltd
Senior Vice President – MEA & Turkey
Amitava Mandal, Wipro Limited
Practice Manager – BFSI
Moderated By:
Gary Mond, Al Khalij Commercial Bank (al khaliji) QSC
Head of Consumer Banking
Jelmer de Jong, Backbase
Global Head of Marketing
10:00
The “NOVO” concept – a new banking experience by Bank
Audi
• “Novo” – Creating a New Banking Experience
• Integrating Novo across multiple-channel – “The Future”
• Modular structures and components in distribution channels
Bank 2.0: Get ready for the New Era of Engagement
Banking
We live in a web 2.0 world. Your customers are used to a superior online
experience, they get that with Google, Facebook and Apple, and they also expect
that from their bank. In this presentation we will show you the key trends driving
the new era of engagement banking. Using real world examples, we will show you
Bank 2.0 best practices for both online and mobile banking.
Retail Banking Analytics
• Potential Pitfalls
▪ Resources
▪ Cost
▪ Process
• Product Solution
▪ Benefits of Productising
▪ What to watch out for
• Early Warning & its influence on Portfolio Management
Jiri Zivnustka, Adastra Business Consulting (ABC)
Partner
17:00
The Turkish Retail Banking Model
•
•
•
•
•
Retail Banking Regulatory Implications in Turkey
The Culture of Turkish Clients and the Bank’s Promises
Boosting Volumes & Productivity across Alternate Channels
Competitive Edge: Product, Service & Technology Innovation
Key Learnings and Take Aways
Burak Ali Gocer, Garanti Bank
Coordinator – Retail Banking
17:30
Closing Remarks from the Chair and End of Day 2
Booking Line: + 971 4 6091564, fax: + 971 4 6091589
email: [email protected], www.fleminggulf.com
Day 3, 17th April 2013
8:00
Registration and Morning Coffee
• Improved payment mechanisms on 4G and beyond networks as well as the
USSD platform
8:50
Welcome Note from the Chairman
Featured Panelists:
Rémi De Fouchier, Gemalto
Vice President, Marketing & Communication: Telecommunication Division
9:00
Leveraging Alternate Channels to Maximize the Liabilities
Business
Hari Baskaran, Axslogic Pte Ltd
Founder CEO
Stephen Foster, du | Emirates Integrated Telecommunications
Company PJSC
Director: Financial Services - Commercial
Peter B. Schultz, MasterCard Worldwide
Vice President, Mobile Payments: Middle East and North Africa
Mohamed Roushdy, Bank Nizwa
Chief Information Officer
Non-F2F channels are fast emerging in the region as a strong source of new
liabilities business as well as providing cost effective platforms to service existing
customers.
• Deepening of customer wallets
• New customer acquisition
• Ongoing customer service
• Channel pricing
• Segmented offerings
• Innovation
Hussain Mazhar, Gulf International Bank
Senior Vice President and Head of Customer Solutions
Moderated By:
Shekhar Krishnamurthy, Emirates NBD PJSC
Head of Liabilities & Wealth Management: Retail Banking
9:30
Redefining Retail Banking Analytics
•
•
•
•
•
Conventional wisdom no longer works
Know your customer’s worth
Next-best opportunity and action
Getting the time right and straight through fulfilment is key
Re-design your business process
Ghanashyama Mahanty, Citibank NA
Senior Vice President – Head of Marketing Analytics and Insights: Europe,
Middle East and Africa
10:00
Banking on Channels
Retail banking is moving closer and closer to the consumers and with an ever
increasing dominance of devices, Banks can no longer afford to create solutions for
‚a channel‘. Solutions will be driven, among others, by proximity. The monolithic
architecture monster has moved from core services space to content consumption
space, always dampening the reach of the new services the banks want to offer to
their wide variety of emerging customer segments. The session will focus on how
banks can and should ‚bank‘ on channels for a rapid growth as well as protection
of IT investments.
Mahendran Subramaniyan, Polaris Financial Technology Ltd
Senior Vice President – Head of Customer Business Exchange Platform
10:30
Morning Coffee Break and Networking
11:00
Maximizing Business Growth: Through Applying MicroMarket Strategy and Smarter Sales Tactics
•
•
•
•
•
•
13:00
Elvino Krizmanic, Infobip
Head of Global Enterprise Sales
13:20
14:30
15:00
15:30
Driving Top Line Growth & Quality Customer Service
through an ideal Compensation Plan
Panel Discussion | Effective Retail Distribution & Sales via
Alternate Channel Networks
Retail banking is at a crossroad where the business is struggling to sustain
continuous profitable growth and maintain customer service quality. A recent
survey stated that nearly minus 41% of customers recommend their banks to
friends and family, in other words nobody does recommend their banks to their
friends. Why is it so? As a result, sales drop and expenses go up when banks strive
to work aggressively to boost sales through alternate channel networks.
Speed and Accuracy: A Conundrum
Panel Discussion:•
•
•
•
•
Analyzing Customer Trends in Retail Banking
Improving your Customer Service Quality Strategy
Improving Sales through the Induction of Balance Scorecard
New Retail Banking Multi-Channel Models & Sales Strategies
Designing an Effective Sales Strategy to suffice Customer Service across
Alternate Channels
• Implementing Mobile Payments & Digital Banking Services
• Prospect of Ecommerce Sales
Featured Panelists:
R. Narasimhan, Bank Sohar SAOG
Deputy General Manager – Head of Retail Banking Division
Jiri Jaros, Adastra Business Consulting (ABC)
Partner
Bringing Value in Retail Forex and Remittances
• Emerging trends in remittances
• Evolving business models in the industry and how your business can adapt
• Key drivers of innovation to make the business work effectively
With the entrant of non-banking players entering the financial services sector,
mobile money has created a global impact onto financial services for the
fundamentals of it be convenient banking. However, the Middle East is still in its
infancy to adapt to the mobile payments culture as there are various obstacles in
the form of inefficient technological infrastructure, below par technology standards
to harness the mobile payment engine between banks and telecom providers. The
panel hosts experts in the electronic channels and mobile channel field where they
will highlight on key areas to ensure the right infrastructural support for mobile
payments and how mobile can lead to retail business development and profitability
as an alternate customer channel.
• Key issues with the electronic payment systems
• How robust or effective is the existing mobile payment infrastructure?
• What technologies should be in place to implement a robust infrastructure?
• Implementing mobile and digital wallets. The platform, tools and technology
Mobile Banking – Its already here
Need of the Time – The agile retail bank
The Pitfalls – be aware
The Upgrade Era – build for change
Small is Big – magic beans for small players
Khawaja M. Almas, Allied Bank Limited
Group Chief, Commercial and Retail Banking Group
As we move in more networked economy with more informed and impatient
customers, speed is a vital prerequisite. The key to successfully transition banking
into a “customer-ready” offering is a rich bouquet of products, which can be
mass-customized and delivered rapidly. However, in banking industry we need
to balance this drive for speed with accuracy in our customer selections. The
presentation will focus on:
• Fundamental pillars required to improve the swiftness in customer and product
decisions.
• D&B’s experience in working with key stakeholders including Central Banks,
Credit Bureaus and Regional Banks to build capabilities that enable faster and
more accurate decisions.
Panel Discussion | Building the right Infrastructure to
Support Mobile Financial Services
The Path to Mobile Banking – A Banker’s Experience
•
•
•
•
•
• Creating an organization-wide behaviour through a compensation plan that
drives Customer Services
• Designing a good compensation system that dwells customer services
• Aligning compensation plan strategy to serve the bank’s strategy in the long
run
• Reducing error ratios by awarding an incentive system to the RMs
• Learnings and Key Take aways
Tariq Razi, Dubai Islamic Bank
Vice President and Head of Asset Products: Consumer Banking Group
Moderated By:
Hari Baskaran, Axslogic Pte Ltd
Founder CEO
Simanta Das, Mashreq PSC
Head of Liabilities: Retail Banking Group
12:30
Lunch Break and Networking
Hussain Mazhar, Gulf International Bank
Senior Vice President and Head of Customer Solutions
Vivek Agarwal, Dun & Bradstreet (D&B)
Senior Vice President and Head of Banking Solutions
12:00
Mobile Services Cloud: Advanced Mobile Technology for
Financial Institutions
• mGate – Infobip‘s solution supporting banking and finance
• USSD interactive sessions
• Building premium service for clients
Cascading goals to employees improve engagement and performance
Using market research and customers insight in identifying new growth plays
Developing sales culture among staff to increase productivity
Structuring different incentive programs to motivates laggards and stars
Localization of sales force and business challenges in cosmopolitan societies Best practices and lessons learnt from Omani Experience
R. Narasimhan, Bank Sohar SAOG
Deputy General Manager – Head of Retail Banking Division
Joint Presenter:
Redha Al Lawatia, Bank Sohar SAOG
Head of Business Development and Liabilities: Retail Banking
11:30
Hari Baskaran, Axslogic Pte Ltd
Founder CEO
16:00
Closing Remarks from the Chair
Close of the Conference | Farewell Coffee and Networking
I would like to thank everyone who has helped with the research and organization
of this event, especially the speakers for their support and commitment.
Fahd Ali Akmal | Conference Production Specialist
[email protected]
Robin Joe | Director – Business Development
[email protected]
Booking Line: + 971 4 6091564, fax: + 971 4 6091589
email: [email protected], www.fleminggulf.com
THE ADVISORY COUNCIL
The advisory council will aid in the quest for providing high quality education on the most significant topics to ever impact the region’s retail banking sector.
Sanjay Malhotra, National Bank of Kuwait
Head of Retail Banking: Middle East & North Africa
John Chang, Noor Islamic Bank PJSC
Head of Consumer Banking
Shekhar Krishnamurthy, Emirates NBD PJSC
Head of Liabilities & Wealth Management
Fahad Mohammed Al Semari, Alinma Bank
General Manager, Retail Banking Group
David Power, Commercial Bank International PSC
Head of Retail Banking Group
Mujtaba Naqvi, HBL (Habib Bank)
General Manager: Retail Business Planning & Development
D Anand, Qatar Islamic Bank
General Manager, Personal Banking
Sundar Parthasarathy, Abu Dhabi Commercial Bank
Executive Vice President – Head of Consumer Assets
Biographies – Speakers & Guest Panelists
Suvo Sarkar, Emirates NBD PJSC
General Manager – Retail Banking
Suvo Sarkar is the General Manager for Retail Banking at Emirates NBD since June 2012. In this
capacity, he has the mandate to oversee all aspects of Emirates NBD’s Retail Banking and Consumer
Finance businesses, including branches, retail loans, mortgages, credit cards, direct banking, SME,
sales and marketing, as well as setting new standards in product innovation. Sarkar returned to the
bank after a two year-stint with National Bank of Abu Dhabi. During his previous tenure with Emirates
NBD as Executive Vice President & General Manager, Retail Banking, Sarkar spearheaded the integration of Emirates Bank
and National Bank of Dubai, to create an integrated retail business for the merged entity, with over a million customers.
Sarkar is a senior consumer banking professional with over 24 years of multi-functional experience in four countries and
three international banks across the Middle East and South Asia. Prior to Emirates NBD, he was the Country Head, Retail
Banking for National Bank of Dubai. He also has over 18 years consolidated experience with Citibank, ANZ Grindlays and
Standard Chartered. Sarkar has a graduate degree in engineering, and is an MBA and gold medallist in marketing from
Indian Institute of Management. He is also a qualified investment advisor and has professional training from INSEAD
and Oxford University.
Sanjay Malhotra, National Bank of Kuwait
Head of Retail Banking: Middle East & North Africa
Sanjay is a senior Consumer Banking professional with over 20 years of multi-functional experience
with leading banks in the region. Sanjay is currently Head of Retail Banking at NBK for international
operations covering in MENA region. NBK is the leading banking institution in Kuwait and has built
up a well-established banking franchise with over 175 branches in 17 countries. NBK has consistently
been awarded the highest credit rating of all banks in the region by the major international rating
agencies and was also named as one of the top 50 safest banks in the world. Prior to joining NBK, Sanjay was the
Regional Head of Retail Banking – Gulf, at Arab Bank. He has previously worked with Citibank and ANZ Grindlays
and Arab Bank in multiple geographies in Asia, Middle East, Levant & North Africa. He has extensive experience in all
areas of consumer banking, from retail lending, credit cards to mortgages and wealth management. In early part of his
career worked he worked as functional head for areas as diverse as marketing, product management, and retail risk
and credit. He has been a country and regional business head, for over 8 years driving business strategy at country level
and regionally. Sanjay is a graduate engineer and MBA from BITS (Pilani) in India. He is married and has two children.
Praveen Bandekar, Union National Bank
Head of Retail Product Division
Praveen is the Head of Retail Product Division at Union National Bank. In his current role he has the
responsibility across the retail assets, liabilities as well as bancassurance products. In addition he is
responsible for the business intelligence function for the Retail Banking Group. In the 5 years with
UNB Praveen has contributed to a series of initiatives across the Retail Banking Group, including
SME as well as Islamic Banking. He has been in the GCC region for over 15 years with banks such as
NBK and ABK in Kuwait and BBK in Bahrain where he has held positions such as Head of Marketing, Head of Strategy
Implementation and Senior Manager Consumer Banking. Amongst his achievements are establishing a finance company,
establishing a asset management function and implementing the wealth management strategy. Prior to the Middle East
he was in India with ANZ Grindlays Bank, Deutsche Bank and Citibank. He has a Masters in Marketing from JBIMS,
Bombay and lives in Abu Dhabi.
George Beatty, National Bank of Abu Dhabi
General Manager, Consumer & Elite Banking
Mr. Beatty is EVP and General Manager of Consumer & Elite Banking at National Bank of Abu Dhabi.
He has nearly 20 years of experience in senior management roles in the financial services industry
both in the middle-east and in Asia Pacific. He joined NBAD from National Bank of Kuwait (NBK)
where he served as Group Head and General Manager of Consumer Banking. His prior experience
includes executive roles at St. George Bank, HSBC, National Australia Bank, and GE Consumer
Finance. Originally from chartered accounting, he has extensive experience in business advisory through KPMG, and
management consulting experience with an international firm.
Dinesh Sharma, Citibank NA
Head of Consumer Bank – MENA Region
Dinesh Sharma leads the consumer franchise for the Middle East & North Africa (MENA) cluster based
out of Dubai, UAE and has been in this role since Nov. 12, 2012. Prior to his current role, Dinesh was
the Consumer Group Risk Director for EMEA from December 2006, responsible for managing credit
and fraud risk, defining risk appetite, optimizing risk capital and executing asset risk strategy across all
Consumer businesses in the region. Dinesh joined Citi in 1990 and over the last 22+ years has worked
across a range of functions and business units in Consumer. He started his career with Citi in India as Sales & Distribution
Manager for Unsecured Lending and then moved to multiple roles within Citi India - Collections Manager, Relationship
Manager for Business Lending & Securitization, Area Director for Mortgages, Business Head - Unsecured Lending, and
Managing Director for Citifinancial India. In May 2002, he moved to Italy as Consumer Risk Director, based in Milan. In
October 2004, he became the Regional Risk Director for Citifinancial Europe, based in London. Dinesh has a Bachelor’s
degree in Mathematical Statistics and a Master’s degree in Business Administration.
Ajay Makhija, SAMBA Financial Group
Group Head – Global Consumer Bank
Ajay Makhija joined Samba Financial Group as the Group Head of Consumer Banking in February
2006. Prior to joining Samba, he worked with Citigroup in India, Africa and Asia Pacific in a variety
of Senior Management roles for over 16 years. Ajay was the Regional Director & Head of Liabilities of
Citibank Asia Pacific, covering 14 countries based out of Singapore. He also led various global business
teams in evaluating inorganic growth opportunities in Asia Pacific. Prior to that he was Country
Business Manager for Citibank in Egypt and Citibanking Head for India. Currently, Ajay is managing the Consumer
Franchise for Samba including Retail Banking & Wealth Management, Consumer Loans & Credit Cards, Mortgage and
Remittance Business streams across Saudi Arabia, UAE, Pakistan & new markets. Ajay is also a member of Board of
Directors of SambaCapital. SambaCapital is an independent provider of world class investment products in the areas of
Investment Banking (Equity Capital Market, Debt Capital Markets and M&A advisory), Asset management & Brokerage
for individual customers, corporate entities, financial institutions and government entities. Ajay holds a bachelors degree
in Engineering (Honors - Mechanical) and was awarded the Delhi University Gold Medal for his MBA from the Faculty
of Management Studies.
Ziad Fatayer, Jordan Commercial Bank
Assistant General Manager: Retail Banking Group Head
Ziad Fatayer is the AGM – Retail Banking Group at Jordan Commercial Bank as well as Board Member
of the International Cards Company ( I C C ) as Vice Chairman representing Jordan Commercial
Bank. Ziad Fatayer has an extensive background in Retail Banking, Marketing, Planning, Budgeting,
Customer Consumer Support and Management as well as PMO. He demonstrated a record of
developing retail & SMEs banking strategy and implementing solutions to multidimensional complex
operational problems. In addition, Ziad has an overall responsibility to establish a bank in conjunction with line of
businesses operations, administrating, planning and directing banking activities. Furthermore, he is responsible for
creating and maintaining customer support policies and processes to support customer’s administrators operations and
client relationship management. He has over 23 years of great experience in retail banking in regional and international
banks as well. His broad experience included working in leading banks such as: Citibank, Mashreq bank, ABN Amro
Bank, Arab Bank, BKME (Bank of Kuwait and Middle East), Bank of Jordan, Capital Bank and Libyan Qatari Bank. His
educational background includes an MBA in Marketing from the University of Poona-Symbiosis of Management / India
(1989). And a B. Com degree in Accounting and Auditing from the University of Poona-Symbiosis college of Commerce /
India (1987), plus Post graduate diploma in Promotion & advertising from New Delhi.
David Power, Commercial Bank International PSC
Head of Retail Banking Group
David Power is Head of Retail Banking for Commercial Bank International and is responsible for
leading the strategic direction of the Retail Banking business unit of the bank and was appointed to
this position in November 2011. Prior to that he served as the Chief Retail Banking Officer at National
Bank of Oman SAOG and also served as its General Manager of Consumer and Private Banking.
Before moving to Oman he served as Deputy General Manager for Retail and Priority Banking at Gulf
Bank in Kuwait for two years. During his professional career spanning over 25 years, he has served in a number of key
leadership positions in leading banks globally, including amongst others, the Divisional Director of Private Banking at
Nedbank Ltd., Johannesburg, South Africa, the National Manager Standard Bank Offshore Group, Channel Islands and
Head of Priority Banking at Standard Bank Ltd., Johannesburg, South Africa. He is an associate member of the Institute
of Bankers in South Africa as well as an Associate Member of Templeton College, Oxford, where he completed a Post
Graduate Diploma. Mr. Power holds a Bachelor‘s Degree in Economics & Business Administration from the University of
Cape Town in South Africa and Post-graduate Diplomas in Management from Henley Management College in the UK as
well as Ashridge Management College UK.
Marwan Arakji, Bank Audi SAL – Audi Saradar Group
Deputy Head of Group Retail Banking
Mr. Arakji has been recently appointed as Deputy Head of Group Retail Banking, handling major core
banking Group Retail projects such as business plans and budgets, running global market research,
and overseeing the Group performance. Mr. Arakji leads the marketing and sales strategies to develop
brand recognition and carries out the identification, design and development of new and competitive
products, services and concepts that address customer and market needs. Mr. Arakji joined the Group
in 1994. Assuming various positions, most recently as Head of the Special Projects where he played a major role in
exploring digital banking opportunities, including E-Banking & IT Architectural Transformation initiatives. Mr. Arakji holds
a Bachelor’s Degree in Business Administration from the American University (Washington D.C.), and completed the
General Management Program at Harvard Business School in 2008.
D Anand, Qatar Islamic Bank
General Manager, Personal Banking
Anand has over 20 years of banking experience with exposure to banking practices across countries
in CEEMEA. Anand joined QIB in April 2011 where he is responsible for providing leadership and
transformation strategy for the Personal Banking Group. Personal banking group provides consumer
finance, cards, Investments, Takaful and other banking solutions through branches and e-channels
across Mass, Affluent and Private client segments. Anand started his banking career with Citibank,
India where he spent over 12 years in various senior management roles in credit, service quality and operations delivery
across multiple countries in CEEMEA. He moved to Al Rajhi Bank, KSA in 2003 where he held leadership roles culminating
as General Manager – Retail Banking Group. Anand backs his knowledge of Personal banking with a rich experience in
setting up green field projects in banking which include new bank set up, off shore outsourcing practices, banking affiliate
set up etc. He holds an MBA degree with specialization in marketing and systems.
Richard Fraser, FIS Global
General Manager of Retail Banking: FIS EMEA
Richard began his retail banking career as a management trainee with Northern Rock in the 1980’s
and joined the Nottingham Building Society/Bank of Scotland joint venture which launched Britain’s
first home-banking service in 1984. In the 1990’s he first worked for FIS in sales and marketing roles
before joining IBM to head it’s newly formed core banking solutions unit. Rejoining FIS in 2009 he is
responsible for professional services, support and service delivery for the company’s largest European
clients. He completed his banking examinations in 1980, was awarded the Northern Rock prize for Development &
Marketing and was runner-up in the 1982 Birmingham Trophy.
Suresh Bajpai, Doha Bank
Head of Retail Banking
Suresh Bajpai is the Head of Retail Banking for Doha Bank based in Doha, Qatar. He joined Doha
Bank in July 2012 and is responsible for leading the Retail Banking and Small & Medium Enterprises
(SME) Banking Businesses in Qatar and International Markets. Suresh is a career banker, with deep
domain expertise in Retail Banking, Wealth Management, Consumer Finance, Credit Cards, Digital
and Mobile Payments, mCommerce and Remittances. Prior to joining Doha Bank, Suresh was based
in New York with Citigroup where he has worked for over twenty years. He held a number of senior management positions
in Americas, Asia, Europe, Middle East and Africa in both Consumer and Institutional Banking, managing across more
than 50 countries globally. He was Managing Director and Global Head of Commercial Banking Business, Global Head
of Digital Banking and Payments, Business Head of Citigold Global Banking & Global Head of Marketing, Segments and
Channels. Before moving into global roles, Suresh Bajpai was based in London and Brussels. He headed key leadership
positions in EMEA, including Business Manager of Consumer Loans, Regional Director of Customer Management, Regional
Director of Marketing and Regional Director of Database Marketing & CRM. Suresh came to Citigroup in India in 1990
and has held various country management positions across Business, Sales and Marketing, Credit and Risk, Operations
and Technology. Prior to joining Citigroup, he was with Siemens India in the roles of International Product, Export Sales
and Marketing Management functions. Suresh is also on the board of Micronotes, a digital company headquartered in
Cambridge, Massachusetts, USA., that partners with financial institutions to improve the productivity of cross-selling
online. Suresh has Bachelors in Electronics Engineering and Masters in Business Administration from Jamnalal Bajaj
Institute of Management Studies. He has been a visiting faculty member in many prestigious management institutes.
Harshdeep Singh Munjal, National Bank of Oman
General Manager – Retail, Private & Overseas Banking Group
Mr. Harshdeep Singh Munjal has held several high profile roles with a plethora of leading financial
institutions that is highly regarded as the envy of many. He started his career way back in 1987 with
American Express in the USA and has joined the ranks of Citibank, Standard Chartered Bank, HDFC
Bank, Dubai Bank, National Bank of Bahrain and National Bank of Oman. In many instances of his
working career, Harsh has been instrumental in setting up and pioneering the building blocks for
many of these multinational banking giants to where it is today. Harsh is a ‘go-getter’, who never wanes to challenge
the status quo as he speaks his mind freely, openly and boldly to achieve the desired results. He is a charismatic
transformational leader who always sees the end from the beginning and focuses on only 20% of the issues that result
in 80% of effectiveness. Of late, he is well known to be a specialist in turning around ailing businesses based on his vast
experience and intricate knowledge of banking and in leading established banks to attain greater results than in the past.
Harsh is a dynamic character who is constantly re-inventing himself through his innovative thinking and idea generation
to solve complex business issues. He inspires those around him to rise above and beyond even the most difficult of
challenges. Wherever Harsh is involved, superior results is inevitable.
Sundar Parthasarathy, Abu Dhabi Commercial Bank
Executive Vice President – Head of Consumer Assets
Sundar has 20 years of experience in India and UAE. His career started in Times of India & thereafter
has worked with several esteemed organizations such as Times Bank (merged with HDFC bank), ABN
AMRO bank, ICICI bank, Mashreq bank & now currently with Abu Dhabi Commercial Bank (ADCB).
In his previous role, his multi-functional experience included Branch Banking, product management,
Sales channel management, event management, assets & mass affluent business in ABN AMRO
bank etc. Currently, he is the Executive Vice President of the consumer assets business with ADCB. Two years back, he
was also spear heading the integration project of RBS UAE retail business as “Chief Integration Officer”. The integration
was completed smoothly within a span of 12 months from the date of take-over. His current role as Head of Consumer
Assets entails product management of Credit Cards, Personal Loans, Mortgages, Auto, Smart Loans and Education Loans.
He is also in-charge of Operations (card centre) & retail sales function. Today, ADCB is one of the largest consumer
assets franchisee in the UAE & is respected by the competitors for two successful co-branded credit cards i.e. ETIHAD
& LULU. Sundar has a graduate degree in commerce & MDBA from Symbiosis institute of management. He recently
accomplished “Advanced Management Program” from Harvard University. In addition, he has also attended several
leadership programs from Stanford, Cambridge & Wharton universities. He is based in Dubai with his wife Padma & two
children – Abhishek & Aishwarya. He enjoys travelling & and likes to devote regular time to fitness.
Booking Line: + 971 4 6091564, fax: + 971 4 6091589
email: [email protected], www.fleminggulf.com
Biographies – Speakers & Guest Panelists
Amitava Mandal, Wipro Limited
Practice Manager – BFSI
Amitava Mandal is a Practice Manager in BFSI at Wipro Ltd based in Mumbai. Amitava has more than
20 years of industry experience. He has rich and in-depth exposure to the entire spectrum of Credit,
Market and Operational Risk Management functions in the Banking & Financial Services Industry in
India, Europe, & Australia. His experience covers all aspects of scorecard, credit risk models and Basel
II Capital Calculation Engine development. Amitava earned Bachelor’s Degree in Engineering from NIT
Tiruchirapally and Master’s degree in Management from Indian Institute of Management, Calcutta.
Ghiath Halabi, VeriPark
Engagement Director
Ghiath is The Engagement Director at VeriPark, he is currently leading many high profile CRM projects
in the company. During his 19 years’ of worldwide experience, Ghiath has developed an exceptional
background in CRM and banking channels, and occupied many executive positions in Canada, USA
and Europe, he approaches each new business challenge with his intrinsic flair for innovation, creative
problem solving, and measured risk taking to drive consistent bottom-line improvements. Ghiath’s
goal was to complement his natural technical savvy with a strong foundation in business. He successfully implemented
one of the top 25 enterprises CRM in North America. and was part of the executive management in Cowley & Associate
Toronto, Ghiath is also experienced in the Middle East and was The Vice President of the CRM and internet banking
of Mashreq Bank where he has a successful track record in implementing CRM ,retail, corporate internet backing and
corporate cash management. He is also expert in building CRM systems for contact centres, branches, sales organizations
of Banks and he had been recognized for his leaderships and accomplishments. Ghiath holds BS Degree in Engineering.
Girish Advani, First Gulf Bank
Senior Vice President – Cards Business Head
Girish Advani joined First Gulf Bank in 2006 and is currently Head of Cards for First Gulf Bank. He
is an Engineer with a Business Degree from University of Illinois, Urbana Champaign. He worked in
the Aerospace Industry at Honeywell in the leadership program before he joined the banking sector
in the UAE. He is a passionate about online shopping and genuinely believes it can add good value
to shoppers worldwide.
Pieter Sleeboom, Cobone.com
Chief Operations Officer
Pieter Sleeboom is the Chief Operations Officer at Cobone.com, a Tiger Global backed eCommerce
company that is leading in the Middle East. Pieter is a proven business leader with hands on
execution experience in launching and building successful eCommerce businesses. At Cobone, Pieter is
responsible for building and operating a company that is growing triple digit year-on-year with over
100 staff in 3 countries in multiple eCommerce categories. In March 2013 Cobone was acquired by
Tiger Global. Pieter is also an active investor, mentor and advisor to various start-ups around the world. Before this Pieter
has worked for Procter & Gamble and ING Bank.
Gary Mond, Al Khalij Commercial Bank (al khaliji) QSC
Head of Consumer Banking
Gary Mond is a seasoned banker with a career that has spanned close on 40 years both in the
Middle East and UK. He has held General Manager positions in Retail Banking and has repositioned
existing businesses as well as establishing businesses from inception. Gary has worked for leading
banks such as Barclays, Burgan Bank, IBQ, NBF, Mashreqbank, Barwa Bank. Currently the Head of
Personal Banking with Al Khalij Commercial Bank (al khaliji), his areas of experience cover business
strategies, segmentation positioning, change management, strategic planning, business development, marketing and
brand positioning. Over his career he has had responsibilities for the operations of consumer banking including card
business, Private Banking, SME business, wealth management, project management, risk management and operations. A
proven track record in start-up and business growth environments, delivering outstanding strategic growth, spearheading
change, business results and enhanced profitability. He is an able negotiator and relationship-builder with the ability to
influence opinion formers and decision makers. Highly-focused on quality standards and service deliveries, as well as being
skilled in corporate communications, PR and media relations. A keynote conference speaker on retail banking strategies,
his role with Al Khaliji bank offers a series of exciting challenges as they position themselves as a leading Premium brand.
Prior to joining Al khaliji Gary was involved in the Islamic Banking arena as advisor to the Retail Banking division of Barwa
Bank, helping to establish their private and priority banking services. He was also involved in the banks acquisition of
an Islamic window, customer base and branch network from a conventional bank, which was awarded the Islamic deal
of the year 2011.
Mujtaba Naqvi, HBL (Habib Bank)
General Manager: Retail Business Planning & Development
Mujtaba Naqvi heads ‘Retail Business Planning and Development’ at HBL, which is the largest bank in
Pakistan with branch network of more than 1,400 branches and customer base in excess of 5 million
customers. At HBL, Mujtaba is successfully managing a retail deposit book of US$ 9.3 billion. Prior
to assuming this role; he has managed one of the fastest growing credit card portfolios and one of
the biggest personal loan portfolios. Before joining HBL, Mujtaba has managed business portfolio for
payment products at Union Bank Limited (later acquired by Standard Chartered Bank). As business manager for payment
products, Mujtaba has the distinction of launching and managing the overall suite of Unsecured Payment Products and
putting together high performance teams. Mujtaba is a veteran in banking industry with diversified experience spanning
over a time period of 16 years and ranging from retail banking to payment products, his core area of expertise include
product and organization structuring in order to enhance product profitability and efficiency without compromising the
quality of the product. Mujtaba believes that the emerging trends are re-defining the ‘premium’ segment hence we need
to answer a basic question; are we re-defining ourselves?
Jelmer de Jong, Backbase
Global Head of Marketing
Jelmer de Jong is Global Head of Marketing at Backbase, a software company formed in 2003 that
delivers Bank 2.0 online and mobile portal solutions for financial institutions around the globe. Jelmer
has focused his career on internet and mobile innovation. He began as an entrepreneur with a
company that helped SMBs to sell products online and later joined a start-up to build one of the first
global online and mobile trading platforms in the perishable industry. At Backbase, he specialises in
marketing the next generation of online and mobile technology to banks and financial institutions so they have the tools
to create a superior online, customer experience in the engagement banking era.
Margaritis Manos, EXUS
Deputy CEO
Mr. Manos Margaritis is a graduate of National Technical University of Athens in the faculty of
Electrical Engineering, and has a Master’s Degree, DIC in Telecommunication Engineering at
the Imperial College, London. Mr. Manos Margaritis has over 22 years experience in the field of
Information Technology. He is Member of the Board of Directors of EXUS and his current position is
Deputy CEO, participating in the development of company’s business plans, strategic planning and
surveillance of company’s big projects. He participates in the decisions to be taken for introducing new technologies and
developing new products and services. He is responsible for the coordination of departments for achieving the company’s
goals. Mr Margaritis is a regular speaker in Financial Events and expert evaluator of EU funded projects.
Dean Young, SunGard
Vice President, Product Management, Ambit Retail Banking
Dean Young is vice president of product management for SunGard’s retail banking customer and
card management solutions. With over twenty years’ experience in the financial industry, Dean is
an expert commentator on customer management strategies based on his extensive work with retail
banks across the world in helping them to optimize customer relationships. Dean’s experience covers
online and mobile banking strategies, and how banks must adapt to changes in customer behavior.
Dean also has strong experience in card management, helping banks develop more efficient, secure and profitable card
products.
Mamoun Alhomssey, Abu Dhabi Islamic Bank (ADIB)
Executive Vice President | Head of ITD
Mr Alhomssey is a highly experienced global information technology executive; with more than 20
years’ experience in the Middle Eastern financial technology market. He is an expert commentator on
the management and implementation of advanced technology, applications and infrastructure. Before
joining ADIB Mr Alhomssey has held roles at a number of high profile banks across the Middle East;
including Citibank, Standard Charted Bank and Jordan Gulf Bank. His wealth of expertise in the latest
technologies and development tools has contributed to his status as a recognised industry thought leader.
Axel Hofmann, Bank of Bahrain & Kuwait
Head of Retail Banking
Axel Hofmann is currently Assistant General Manager, Head of Retail Banking at BBK (Bank of Bahrain
& Kuwait). He is an Industrial Engineer from the University of Buenos Aires. He also holds a graduate
specialization in Strategic Management from the University of Buenos Aires and a Masters in Business
Administration from the University of Texas at Austin. He has more than 21 years experience in
banking and the financial industry. He worked for Citibank for 12 years, where he held positions
as Country Business Manager in the Bahamas, Retail Country Business Manager in Colombia and Business Manager
Global Transaction Services for Emerging Local Corporate. He was member and vice chairman of the board for Colfondos
(Pension Fund, Colombia) and Executive Director and Board Member of both Prosperia S.A. and InBest Inc. He is married
and has three children.
Daniel Melo, FICO
Senior Director – Pre Sales Consulting
Daniel Melo is a senior director of pre-sales consulting at FICO EMEA based in Madrid. Daniel has
more than 23 years of experience on Credit, Collections and Risk Management for large financial
institutions in Europe and the Americas. His experience covers all aspects of the Credit Life Cycle, from
Analytics and Scorecard Development, Strategy and Change Management and direct Operational
Management. Daniel has extensive familiarity with emerging markets during volatile economic
periods. credit risk management and debt collection in turbulent times are his specialties. His
background includes HSBC, Unibanco, Citi and American Express.
Hari Baskaran, Axslogic Pte Ltd
Founder CEO
A serial entrepreneur, Hari Baskaran is the Founder CEO of Axslogic Pte. Ltd. Axslogic offers a
combination of Risk Management products and Knowledge Outsourcing Services for Financial
Institutions bundled as Software as a Service (SaaS) targeting business improvement for the client
while reducing potential and ongoing losses. Hari has also been the founder and Managing Partner of
a risk advisory firm that provided sophisticated risk assessment and analysis for financial institutions
globally. His unique global experience of developed and developing markets at senior levels enabled a
strong best-practice sharing and benchmarking capability. Prior to this, Hari promoted and founded a ground-breaking
comprehensive analytics and risk management firm serving the banking industry with offshore and onshore outsourcing
of analytics, risk management and operational monitoring, integrated with a risk software product business. Hari has
over twenty three years of experience in Consumer and Commercial Risk. He was earlier with Citigroup where, as Global
Risk Director for credit cards, he managed risk for all the consumer and commercial credit card businesses, payment
platforms and merchant businesses owned and managed by Citi. His prior responsibilities as Regional Senior Risk Officer
for Citigroup Asia included managing all of Citigroup’s consumer and commercial risk across multiple countries in Asia.
As one of the youngest credit officers to attain the highest level of credit designation (SCO1) for all consumer products
at Citigroup, Hari has a strong reputation in the industry for forward thinking and delivering balanced business growth
through data driven decision-making for which he has received multiple Global Awards from Citigroup.
Raffy A. Karamanian, Bank Audi SAL – Audi Saradar Group
Head of Delivery Channel – Group Retail Banking
Raffy Karamanian is the Head of Delivery Channels at Bank Audi since January 2011. His main
responsibilities entail developing alternative channels and delivering seamless cross-channel banking
experiences. He is responsible for the development of the “Novo” concept, initiating a new retail
banking experience to customers. Raffy held the position of Head of Retail Banking in Sudan where
he launched the Bank’s initial Islamic Retail Banking operation. Prior to joining Bank Audi in 2005,
he worked in the retail banking field in New York for 6 years with JPMorgan Chase [Washington Mutual] and Commerce
Bank.
Abdul Rahman Turki, Bahrain Islamic Bank
General Manager, Retail Banking
Abdul Rahman is currently managing the Consumer Finance Business at BisB. He is responsible
for all the Personal, Mortgage, Auto, SME financing , credit cards business, e-banking, Business
Development & Marketing division, the Retail Credit Unit, and the Private & Priority Banking division.
Abdul Rahman began his banking career back in 1981 when he first joined Grindlays Bank Ltd,
Bahrain. He started in the Treasury and Investment Department where he spent 17 years before he
was transferred to take senior posts in the Consumer Finance businesses and Business Development & Marketing. In 2001
he joined Commercial bank of Qatar in Doha. Abdul Rahman was a founding member of the Islamic Banking window of
CBQ Qatar (Al Safa) which was introduced in 2004 where he was assigned to manage the Retail division. Abdul Rahman
holds a Masters Degree in Strategy & Scenario Planning from Strathclyde Business School Scotland; he also has many
other qualifications in banking & finance, marketing and leadership, which he has acquired during the last 32 years in
the banking industry through working in Bahrain, Oman and Qatar
Raman Muralidharan, HSBC Bank Middle East Limited
Regional Head of Customer Value Management: Retail Banking &
Wealth Management – Middle East & North Africa
Raman Muralidharan is the Regional Head of Customer Value Management (CVM) for HSBC‘s Retail
Banking and Wealth Management (RBWM) business in the Middle East and North Africa (MENA)
region. He is responsible for HSBC‘s retail propositions, including its flagship offering HSBC Premier,
and HSBC Advance, in addition to all lending products, customer segmentation, CRM, analytics and
customer experience management. Raman joined HSBC, MENA in January, 2012, moving to Dubai from HSBC in USA.
Raman‘s areas of professional expertise include customer and product management, data driven marketing, multichannel sales, and management of direct channels. He has over 10 years‘ experience in financial services, along with
substantial exposure to other consumer products. Prior to joining HSBC MENA, Raman has held senior roles with HSBC,
Capital One and Booz & Company in the United States. Over the span of his career, Raman has held leadership roles
with P&L responsibility, and has a proven track record of achieving both top and bottom line results. He is a strong talent
manager, and has recruited, developed and grown talent, often leading large teams. He holds an MBA (with high honors)
from the University of Chicago, as well as a master‘s degree in engineering. Raman enjoys working in MENA, and looks
forward to being part of the banking community in the UAE.
Rana Zeeshan Saleem, Emirates NBD PJSC
Head of Assets and KSA Retail Banking – Retail Banking Group
Zeeshan has extensive banking experience at Barclays and Citibank in the region. Before joining
Emirates NBD in Sept 2010, Zeeshan was Consumer Banking Director for UAE & GCC at Barclays,
managing the Retail Banking business. He was part of the team that launched Barclays Retail Bank
in the UAE. He started his career with Citibank as Management Associate and left from the position
of Vice President at Citibank, Pakistan. Before banking career he has worked in the field of Electronics
Engineering. At Emirates NBD, Zeeshan started as Head of Consumer Banking and Wealth Management [CWM] for KSA
and was assigned the task to develop and implement growth strategy for CWM business in the Saudi market. In addition
to KSA role, he had been designated as Retail Coordinator to help Group CEO manage CWM Retail business for the
interim period from Sep-2011 to June-2012. Since June-2012, Zeeshan has been designated as Head of Assets for Retail
Banking Group in addition to his responsibilities for Retail business in KSA. Zeeshan is the member of Consumer Banking
Committee of Emirates Bank Association UAE. He is a Chartered Wealth Manager certified by International Academy of
Financial Management. He holds a MBA Finance & Marketing from LUMS, Pakistan [Gold Medalist], BE Electronics and
Telecom Engineering from UET, Pakistan. His interests include Current Affairs, Economics and Cricket.
Atanu Ganguli, Polaris Financial Technology Ltd
Senior Vice President – MEA & Turkey
Atanu Ganguli is Sr Vice President, and currently the Head of MEA and Turkey region for Polaris
Financial Technology Ltd. He has 22+ years of experience in Business development, sales and
operational aspect of Business delivery for System Integration/solution sales across Geographies, i.e
APAC and MEA. Last 12+ years, he has been associated with the Financial Sector, responsible for
spear heading Polaris solution proliferation in Middle East and Africa across Financial Verticals. He
is, in particular, instrumental in driving the Enterprise Channel and Retail banking Solution strategy, which has led most
of the tier 1 bank in the region using Polaris Platform. Prior to joining Polaris, he worked with HP - India, as Country
Services Principal- FSI, and Modil Olivetti- India, Regional manager, driving their SI (System Integration) sales in the
financial sector.
Naji Moukadam, SAB
Managing Director – SAB International
Naji Moukadam has more than 20 years of international experience in designing, developing and
implementing large-scale of investment and banking projects, as well as his involvement in various
consulting assignments. He worked in business development, IT Operations Management, IT
Strategic Planning, IT Audit, Systems Engineering, and Systems Design & Development and System
Implementation mainly related to the financial industry. His experience covers both the areas of IT
& banking (Commercial & Investment) with a focus on Islamic finance. He is exposed to various activities, courses &
seminars in the management, IT & Banking areas. The last ones were in Wharton business school covering the Executive
Development Program and in INSEAD covering the area of Strategic Management in Banking. Naji joined SAB in 2011
as a Managing Director of SAB International, which is a fully owned subsidiary of SAB Group. SAB International is a
deployment base from which a business network will be set up to cover the Americas, South east Europe, the Middle
and Near East, the Gulf countries, Asia, the English-speaking parts of Africa, and the Far East. The SAB action plan relies,
up to now, upon its regional offices abroad (Italy, Luxemburg, Monaco, Lebanon, Tahiti, Tunisia, United Kingdom) or
upon relevant partnerships which differ according to sector. Prior to joining SAB, Naji was the vice president R&D and
the president of Path Solutions, where he reviewed and restructured Path Solutions by developing a complete Go-ToMarket strategy and its product offering, launched a 5 years programs that allowed Path Solutions to evolve from a
product-driven company to a market-led provider of solutions and services, from 10 to 70+ financial institutions. The
plan increased Path Solutions market share, in particular for the Gulf region, the Middle East, Africa, South-East Asia
and Europe and allowed Path to become the de-facto leader in providing technology financial solutions to the Islamic
finance industry. Prior to joining Path Solutions, Naji gained an in-depth knowledge and the highest level of expertise in
developing, setting up and implementing retail banking solutions and consulting assignments and assessing the banks‘
set schemes within Equipbureau a member of PC Group and MDSL Lebanon.
Booking Line: + 971 4 6091564, fax: + 971 4 6091589
email: [email protected], www.fleminggulf.com
Biographies – Speakers & Guest Panelists
Huseyin Deniz, Istanbul Gold Refinery
Gold Banking Business Development Manager
Huseyin Deniz is Business Development Manager at Istanbul Gold Refinery. He began his career
in Istanbul at Kuveyt Turk Bank and worked at retail & small business banking, performance
management and marketing departments. After he worked six years for the Bank, he joined Istanbul
Gold Refinery. He works with a great team for gold banking products and operations. The team
managing scrap gold collecting project with banks, ATM gold, gram gold and all of other gold banking
products and projects. Huseyin earned Bachelor’s Degree in Business Administration from Gazi University and Master’s
degree in Banking from Istanbul University.
Jiri Jaros, Adastra Business Consulting (ABC)
Partner
Jiri is serves as a partner in Adastra Business Consulting (ABC), has more than 5 years of international
banking consulting experience in the areas of Retail Risk (Collections, Loan Approval, Fraud, NPL
mining) and Campaign/Marketing optimizations. The main differentiator of ABC deliveries lies in
implementation of changes with attractive ROI, high work, honesty and result orientation. Jiri‘s
services include bottom line improvements of client organizations focusing on hands on approach,
onsite practical and pragmatic implementations and belief in data. He has managed more than 35 projects in ABC for big
international organizations in more than 15 countries. Jiri has lived and worked in various countries, ranging from Japan,
USA, and over Germany came back home to the Czech Republic, while currently living in Vienna/Austria.
Jiri Zivnustka, Adastra Business Consulting (ABC)
Partner
In the past 10 years, Jiri has risen up through the ranks of the consultancy business having begun
in technology delivering tailor made end-to-end solutions, and then diverging into business/
management consulting for banks and telecommunications on an international scale within the CEE
region. Jiri joined the Adastra Group in 2004 and participated in all aspects of consulting including
project management and sales. He was appointed Banking Division Director in 2009, a position
he held until 2012 when he assumed his current position of Partner at ABC. His experience and expertise comprises
multiple domains which focus on business model optimization, in particular, Sales/Marketing (Campaign optimization,
Client Optimal Development strategy, CVM, Communication strategy), Risk management (Anti-Fraud, Collections,
Underwriting, Risk reporting). Jiri obtained a Masters degree in Cybernetics and Artificial Intelligence from CTU (Prague).
Burak Ali Gocer, Garanti Bank
Coordinator – Retail Banking
Burak Ali Gocer graduated from the Middle East Technical University Department of Civil Engineering.
He earned his MBA from California State University, San Diego. After working as an executive at
various private companies and banks, he joined Garanti as the Internet Banking Manager in 1999
to launch the Internet Banking projects which lead him to his next position, Alternative Distribution
Channels Unit Manager. Following this position he worked through the foundation of Garanti
Mortgage, subsidiary of Garanti Bank, as the Executive Vice President of sales and Marketing. Gocer was appointed to his
current position in 2011. He is married with 2 children.
Shekhar Krishnamurthy, Emirates NBD PJSC
Head of Liabilities & Wealth Management: Retail Banking
Shekhar heads the Liabilities & Wealth Management business for Retail Banking within Emirates NBD.
In his current role, his mandate is to grow the liabilities, insurance, investments and FX businesses
across the personal, priority and business banking segments of the bank. Prior to this, he worked as
Head – Retail Assets & Liabilities with Emirates NBD, and in diverse business, product and marketing
roles in retail banking in the country over the last 15 years. Shekhar graduated from the Indian
Institute of Technology, Madras and obtained his post-graduation from the Indian Institute of Management, Ahmedabad,
specializing in marketing and finance. Earlier in his career, he has also worked in sales and marketing roles with Unilever
and Pepsi in India.
Ghanashyama Mahanty, Citibank NA
Senior Vice President – Head of Marketing Analytics and Insights:
Europe, Middle East and Africa
(Ghana)shyama Mahanty is a Business Intelligence and Business Management technician currently
Head of Marketing Analytics and Insights for Citi‘s Europe, Middle East and Africa region. He is
responsible for setting up analytic direction and strategies for the Consumer Bank covering Credit
Cards, Consumer Lending and Wealth Management products. A dynamic and hands-on customer
management, marketing and risk analytics, client experience and business strategist with over 12 years of extensive
experience in consumer banking. Prior to joining Citibank in 2004, he had a successful stint with American Express in
managing fraud and credit risk analytics for international markets. Ghana holds a Masters degree in Applied Economics
and an M.Phil in Development Economics. He has a large number of publications to his credit and has delivered lectures
in different forums.
Mahendran Subramaniyan, Polaris Financial Technology
Ltd
Senior Vice President – Head of Customer Business Exchange
Platform
Mahendran is Senior Vice President and Head of Polaris‘ Intellect Customer Business eXchange
platform, a customer access channel solution for Retail and Corporate banking users. With over 20
years of IT experience, Mahendran has created business solutions to large and medium sized banking
and insurance customers across the globe. As an enterprise architect of Polaris in his earlier stint, he had overseen key
corporate initiatives aimed at process maturity, architecture governance, improved productivity and standards.
R. Narasimhan, Bank Sohar SAOG
Deputy General Manager – Head of Retail Banking Division
Mr. R. Narasimhan has more than 33 years of experience in Banking in the supervisor / management
cadres and holds a Masters Degree in Science (Physics) from Madras University with a top university
rank and a PG Diploma in Banking from Mahraja Sayajirao University, Baroda. Mr. Narasimhan is
also a certified associate member of Indian Institution of Bankers, India. After his successful tenure in
India, Narasimhan headed the Wholesale Banking Division for pan Oman at Bank Sohar from May,
2008 till March, 2013. Apart from Wholesale Banking business growth, he successfully introduced cross selling of retail
products to Wholesale Banking clients. Recently as per the organization restructuring, he has been assigned the role of
Head of Retail Banking Division. Prior to his assignments in Oman, Narasimhan started his banking career in India as a
Direct Recruit Officer in the year 1979 and served for 17 years with a premier public sector bank in various supervisory
capacities such as Branch Manager & Zonal Head at various metro cities in India. In the year 1996, he joined as Vice
President of a newly formed Private sector Bank promoted by the well known Development institution namely IDBI. In that
capacity, he was instrumental in ushering in various technologically intense retail products with latest banking technology
like “online real time banking”, mobile banking, internet banking, privilege banking, etc. Before taking up the position
with Bank Sohar in 2008, his assignment was holding a pan India position as the Head of Corporate Banking Business
and later as Head of Mid Corporate Business with IDBI Bank at Mumbai, India. Redha Al Lawatia, Bank Sohar SAOG
Head of Business Development and Liabilities: Retail Banking
Redha Al Lawatia is currently heading Business Development and Planning (liabilities) unit of bank
Sohar. He has developed several innovative sales initiatives and financial products to increase low cost
deposits market share and penetration of the bank. Prior to joining bank Sohar, Redha has served
Petroleum Development Oman (PDO), leading Oil and Gas Exploration and Production Company
in Oman as a Business Improvement and Performance Manager. He was responsible for developing
organization Balanced Scorecard, Annual and Quarterly Business performance reviews and reports, High Capex
projects delivery management and involved in several business improvements projects. Redha Al Lawatia holds multiple
postgraduates degrees and professional certification in areas of Business Administration, International Marketing,
Business Analysis and Quality Management. He is currently pursuing his Doctorate of Business Administration (DBA) from
one of leading Business School in UK and his research interest lies in areas of organizational strategy and innovations.
Vivek Agarwal, Dun & Bradstreet (D&B)
Senior Vice President and Head of Banking Solutions
Vivek Agarwal works with Dun & Bradstreet as Senior Vice President and Head of Banking Solutions in
emerging markets of Middle East, Africa and South Asia. He has 20 years of global experience, largely
in Information Management and Analytics solutions for banking and financial services industry. In his
current role, he leads a team of economists, statisticians, banking domain experts and technologists
working on analytical models and risk management solutions that enable banks reduce risk, increase
revenues and improve portfolio performance. Besides Banks, D&B also works with Central Banks, Government, Credit
Bureaus and Rating Agencies with a vision of creating more transparent credit & business environment and robust
economies. Prior to D&B, Vivek was part of the founding team of Saksoft, a mid-size public listed technology company,
where he provided Information Management and Business Intelligence solutions to several global banks including
Citibank, Morgan Stanley and Barclays Bank. Before starting Saksoft, he worked with P&G, Diageo and Oriflame, where
he built advanced analytical and optimization models for marketing, finance and supply chain functions. Vivek is a
Mechanical Engineer with a Master’s degree in Industrial Engineering and Operations Research from prestigious National
Institute of Industrial Engineering (NITIE), Mumbai.
Simanta Das, Mashreq PSC
Head of Liabilities: Retail Banking Group
Simanta has got more than 14 years of experience bulk of which is in the Retail Banking domain
covering India & the Middle East. An MBA with an engineering background, he started his career in
FMCG Sales. After a short stint there he moved to ICICI Bank cards in India. In 2005 he moved to
Dubai & has been with Mashreq since then. During a span of 12 years at ICICI Bank & Mashreq he
was instrumental in launching & managing some of the biggest product programs in the Asia Pacific
& the Middle East. His last assignment in cards was as Business Manager where he was managing the Cards issuance
business at Mashreq. In his current role as Head of Liabilities, he manages Mashreq’s retail liability portfolio and is also
responsible for the remittance business.
Rémi De Fouchier, Gemalto
Vice President, Marketing & Communication: Telecommunication
Division
Rémi de Fouchier joined Gemalto in 2004 and currently serves as Vice-President, Marketing
Communication for the Telecommunication Business Unit. In this role Rémi is leading the development
and deployment of key global campaigns supporting business growth and strategy execution across
the wide range of products, solutions and services, encompassing activities such as Machine-toMachine, Mobile Financial Services, NFC and Mobile Marketing. Prior to this role Rémi was in charge of the Trusted
Service Management business unit where he led the development of the company mobile contactless initiatives. He has
also served as Gemalto Chief Procurement Officer. Rémi de Fouchier is a Member of the Board of Global Platform Mr. de
Fouchier began his career in 1993 as a consultant for a communication and advertising company. In 1995, he joined
Thales, Europe‘s leading defense and aerospace electronics company, where he acted as Business Development Manager
for the Indian subcontinent, based in New Delhi. In 1997, he was appointed Sales Manager of Thales Naval Systems,
specializing on Asian countries. He joined Vivendi group’s pay TV arm Canal+ in 2000 where he acted as head of sales
for Asia Pacific for the technology and software activities. He was then promoted to Vice President, in charge of Strategy.
Born in 1970 in Paris, Rémi de Fouchier graduated from Institut d’Etudes Politiques (Sciences Po) and holds a Master in
Political Science from La Sorbonne Paris University.
Stephen Foster, du | Emirates Integrated
Telecommunications Company PJSC
Director: Financial Services - Commercial
Stephen is Director of Mobile Financial Services at du, a quad play telecoms service provider in the
UAE. Stephen is responsible for du’s Mobile Financial Services and Mobile Commerce strategy, partner
ecosystem, product development and commercialization. Prior to joining du, Stephen was the Mobile
Money Programme Lead at Qatar Telecom (Q-Tel) where in 2010 he led the successful Launch of
their Mobile Wallet platform and Mobile Money propositions. Stephen also established the “Quick Tap” NFC payments
programme at Orange UK working in close collaboration with Barclaycard and other partners. Stephen has also delivered
a number of consultancy assignments for Tier 1 organizations such as Orange/France Telecom. Vodafone, Thales, MTN
and Google in the fields of Mobile Product Development, Mass Transit Ticketing and spectrum licence bids/auctions.
Stephen has an MBA in International Business from ESCP-EAP.
Peter B. Schultz, MasterCard Worldwide
Vice President, Mobile Payments: Middle East and North Africa
Peter joined MasterCard in 2011 and serves as Vice President, Mobile Payments in Middle East
& North Africa. In this role, Peter is responsible for the development and commercialization of
interoperable mobile payment products and solutions in MENA that create a sustainable competitive
advantage for MasterCard and its customers. Peter is working with banks, telcos and other partners
across MENA to enable open loop mobile payments including proximity payments and remote
payments. Prior to this role, Peter worked for 12 years in the telecommunications industry enabling and optimizing
international roaming between telcos.
Mohamed Roushdy, Bank Nizwa
Chief Information Officer
With more than 23 years of IT experience in IT of which more than 12 years as a CIO/COO in Financial
Services (Conventional and Islamic, 10 years in Islamic Finance). Mohamed Roushdy had been
working for major financial services, conglomerate and software services companies in the region.
He had the distinction of leading the technology team and being the first member of the executive
management in establishing one of the most prominent financial services organizations in UAE in a
record time, as well he led the IT team on the first ever conversion of conventional Bank into Islamic Bank (National Bank
of Shrajah into Sharjah Islamic Bank back in 2001). Mohamed worked for Major Financial services organizations such
as Commercial International Bank – Egypt, Al Ahli Bank of Kuwait, Abu Dhabi Islamic Bank (ADIB), Al Hilal Bank, Sharjah
Islamic Bank, as well worked as an Advisor with Booz and Co. in establishing the first Islamic Bank in Libya (Libya Qatari
Bank). Currently Mohamed hold the position of Deputy General Manager - Chief Information Officer for Bank Nizwa, the
first Islamic Bank in the Sultanate of Oman. Mohamed has a strong expertise in IT strategy, Governance, Applications
Services, Networking, Information Security and Infrastructure management. Mohamed has been a speaker in many
conferences in the GCC and Europe and holds a MBA from Manchester Business School. Mohamed has been rated
amongst the top 50 CIOs in the Middle East 2012 by CNME magazine and had been nominated as one of the technology
leaders in Middle East by FT Summit in many years. He is a member of the CIO Arabia group and British Computer Society.
Elvino Krizmanic, Infobip
Head of Global Enterprise Sales
Elvino Krizmanic is responsible for the enterprise sales strategy planning and implementation within
Infobip. Cooperating closely with Infobip‘s Operator partnerships and Products and solutions dpt.,
he works towards bringing new opportunities to the enterprise business development. He leads an
international team of capable sales professionals and travels extensively, helping financial institutions
to improve their performance by adopting advanced mobile technologies. Prior to Infobip, Elvino
worked in various sales executives and business development positions in one of the leading national FMCG companies.
He holds a bachelor‘s degree in economics.
Hussain Mazhar, Gulf International Bank
Senior Vice President and Head of Customer Solutions
I consider myself a disruptor in traditional Retail Banking. As Head of Customer Solutions, I am
involved in launching the first online bank in the GCC with mobile banking as the primary channel.
The solution is highly innovative, holistic and well integrated that uses apps and widgets to provide
exceptional and consistent customer journey at all touch points (smart phone, tablet, laptop/desktop,
contact center and branches). Social media integration is an important part and customer control and
customer experience are the foremost considerations. An executive with more than 26 years work experience – last 15
years focused on Retail Banking across Middle East & South East Asia. Proven ability to launch Retail Banking in several
Banks – including research, strategy, branding, financial planning, project management, products and services, team
building and managing.
Khawaja M. Almas, Allied Bank Limited
Group Chief, Commercial and Retail Banking Group
Khawaja Muhammad Almas is the Group Chief of Allied Bank’s Commercial and Retail Banking
Group since July 2012. ABL is one of the largest banks in Pakistan. Khawaja is a seasoned banker
with close to 30 years of experience across corporate, retail, commercial, trade finance, banking
systems, operations and technology within ABL. He is currently managing ABL’s commercial and retail
banking group where he is responsible for the bank’s assets and liabilities business, marketing, service
quality and he is managing a customer base of over 2.5 million customers across 875+ branches and manages a
network of about 700 ATMs. Prior to this role, he was the Group Chief of the bank’s Business System Implementation
Group and Head of User Team the Core Banking Software Project. He was responsible for implementing the bank’s core
banking system where responsibilities included process reengineering, business transformation, design of KYC systems,
implementation of T24, data cleanup, unit testing and project management. Khawaja holds a Masters of Business
Administration and Diploma in Computer Sciences from the University of Punjab – Lahore. He is also an Associate Member
of the Institute of Bankers in Pakistan and also passed on training on various subjects, across Pakistan and outside.
Tariq Razi, Dubai Islamic Bank
Vice President and Head of Asset Products: Consumer Banking
Group
Tariq is the Head of Products within Dubai Islamic Bank‘s Consumer Banking Group in the UAE. Tariq‘s
responsibilities comprise development, implementation, marketing, and profitability of consumer
asset product propositions including credit cards. With more than 15 years of experience, prior to
Dubai Islamic Bank Tariq has worked in Citibank, Shell, and Nestle. Tariq has an MBA and Chartered
Accountancy background.
Booking Line: + 971 4 6091564, fax: + 971 4 6091589
email: [email protected], www.fleminggulf.com
SPONSOR PROFILE
Strategic Partner: Union National Bank
Union National Bank (UNB) is a public joint stock company incorporated
under the laws of the United Arab Emirates in 1982. UNB is the only bank
in the UAE with significant shareholdings by the Governments of both
Abu Dhabi (50%) and Dubai (10%). The remaining 40% of the shares
are publicly held. The shares of UNB are listed on Abu Dhabi Securities
Exchange. UNB operates through a wide network of branches and ATMs
throughout the UAE. UNB has extended its reach to Egypt through a successful acquisition of the erstwhile ACMB
and currently operates in the country as UNB Egypt through a number of banking centres. It has ventured into
Doha with a branch at the Qatar Financial Centre and has also opened a representative office in Shanghai China,
being the first bank from the region to do so. Following approvals, UNB’s Kuwait Branch has been opened with a
soft launch and is operational since Oct 2012. UNB‘s subsidiaries include, Union Brokerage Company (UBC) which
provides brokerage services for clients at the Abu Dhabi Securities Exchange and the Dubai Financial Market, Al
Wifaq Finance Company (AWFC) offering Shari’a compliant products and services to the growing Islamic banking
market and INJAZ Marketing Management which provides marketing management related services, including the
planning, execution and marketing of products and services for UNB through a dedicated team of professional
sales and marketing representatives. For many years, UNB have been a recipient of several awards in various
categories on quality and excellence in addition to the recognition and awards conferred on UNB’s visionary CEO,
Mr. Mohammad Nasr Abdeen.
Premium Gold Sponsor: FIS Global
FIS is the world‘s largest global provider dedicated to banking and payments
technologies. Our comprehensive range of products and services combine
to deliver end-to-end solutions for core banking and card payments. Our
flexible approach to the market means that our customers can chose
to buy licensed software, have FIS deliver an applications management
service or rely on us for a full outsourcing relationship. Our customers know
that FIS has the scale to handle the most complex projects with expertise
and outstanding customer service. Our laser focus and commitment to
operational excellence makes FIS a partner you can rely on, offering local sensibility on a global scale. With a long
history deeply rooted in the financial services sector, FIS employs over 32,000 people and serves more than 14,000
institutions in over 110 countries including 40 of the top 50 global banks. We are focused on deploying cutting
edge, scalable technologies and solutions that enable financial institutions to deliver innovative and efficient
products and services to their customers. For more information about how our global team of local experts could
help your business, e-mail us at [email protected] or visit our website - www.fisglobal.com.
easily accessible to many diverse clients. The bundled SaaS offering are specifically designed to provide the
businesses access to best-in-class in Risk Management, thereby demonstrating continuous business improvement
while continuing to offer their own clients a superior customer experience. This enables the businesses with early
identification of new forms of risk issues, thus substantially enabling business improvement and growth while
reducing potential and on-going losses.
Associate Sponsor: SAB
SAB, headquartered in Paris, France, has live systems in over 150 financial
institutions operating in 25 countries. Founded in 1989, SAB provides a
modular and yet fully integrated core banking solution that empowers
banks with a single, real-time view of the client across the enterprise.
SAB empowers banks and financial institutions in the following financial
sectors: Universal Commercial wholesale and Retail banks, Private banking
institutions, Financing & Investment companies and Islamic financial
institutions. SAB has full-fledged R&D and support centers in Paris, Vannes, Monaco, Beirut and Tunis with a
global office network in New York, Luxemburg, London, Istanbul, Dubai, Riyadh, Tehran, Nairobi, Jakarta, Kuala
Lumpur and Singapore. SAB provides complete implementation and support services to its clients during and after
implementation and works as a committed partner in providing a success edge through technology, to its clients.
Additionally, as part of its universal offering, SAB provides Business Process Outsourcing, Facilities Management
and SaaS. SABReady is SAB AT Model Bank that provides a comprehensive localized core banking solution
including products, parameters, security policies, advices, reports, statements, workflow, work procedures and
documentation based on SAB exposure and experience with its 150 implementations around the globe. SABReady
is a localized global experience which can customized to adapt to the bank’s specific requirements. For more
information, please visit www.sab2i.com
Bronze Sponsor: Polaris Financial
Technology Limited
Gold Sponsor: Wipro Limited
Founded in 1993, Polaris Financial Technology Limited is a leader
in Products, Solutions and Services that enable unprecedented
operational productivity for the global Financial Services industry.
The company offers state-of-the-art solutions for Core Banking,
Corporate Banking, Wealth & Asset Management and Insurance. Polaris has a talent strength of over 13,114
solution architects, domain and technology experts. Polaris is the chosen partner for 9 of the top 10 global banks
and 7 of the 10 top global insurance companies. It believes that relationship, expertise, technology, Intellectual
Property and Global Reach are the routes that enable the company to come closer to its customers worldwide.
Polaris is headquartered in Chennai and has offices in all global financial hubs. For more information, please visit
http://www.polarisFT.com/
Gold Sponsor: Istanbul Gold Refinery
Dun & Bradstreet (D&B) is the world’s leading provider of business knowledge and
insights with presence in over 200 countries. Established in 1841, D&B is a NYSE
listed company and is consistently ranked among top 3 most admired companies by
Fortune. D&B has a strong local presence with regional headquarters in DIFC, Dubai
and ten local offices across Middle East, Africa and South Asia. Our banking solutions
comprise of Analytical Models, Risk Management Platforms and Information
Management solutions by leveraging on strong domain knowledge, global modeling
expertise, latest analytical technologies and awareness of local factors. Seven of the
top ten banks in UAE and several other banks in region rely on D&B solutions to
reduce risks, increase revenues and improve portfolio performance.
Wipro Limited (NYSE:WIT) is a US $ 7 Billion leading Information Technology,
Consulting and Outsourcing company, that delivers solutions to enable its clients
do business better. Wipro Infotech is the India and Middle East focused IT business
division of Wipro Limited. Wipro delivers winning business outcomes through its
deep industry experience and a 360° view of “Business through Technology” –
helping clients create successful and adaptive businesses. A company recognized
globally for its comprehensive portfolio of services, a practitioner’s approach to
delivering innovation and an organization wide commitment to sustainability,
Wipro’s IT business has over 135,000 employees and clients across 54 countries.
For information visit www.wipro.com or mail [email protected]
Bronze Sponsor: Dun & Bradstreet (D&B)
Founded in 1996 by a group of leading corporations, Istanbul Gold Refinery is the
largest precious metal refinery in Turkey. Along with full-scale assaying, refining,
melting and laboratory services, IGR offers silver bars and LBMA approved
gold bars available for sale at banks, financial institutions and bullion dealers.
IGR’s ‘Collecting Scrap Gold with Banks’ project, which is being carried out in
conjunction with several banks in Turkey, has brought a significant amount of
previously unregistered gold into the banking system. IGR is strategically located
in Istanbul, just 3 kilometers away from Ataturk International Airport, and has
offices in Germany, Spain, United States of America, United Arab Emirates, Hong Kong, and coming soon United
Kingdom. Istanbul Gold Refinery’s global reach and wealth of experience makes it your reliable business partner.
Bronze Sponsor: Adastra Business
Consulting
Premium Silver Sponsor: VERiPARK
Bronze Sponsor: Infobip
VeriPark is a software house specialized in providing multichannel delivery
and CRM solutions to financial institutions. The company employs 130 staff
and it is headquartered in Istanbul and has branch offices in Dubai and
Cairo.
The company has specializations in the following areas:
•
CRM implementations for retail and corporate banking which covers new customer enrolment, 360 single
view, contact center and branch automation.
•
Internet banking, call center, kiosk and mobile banking applications including iPhone and iPad
VeriPark is a Microsoft Gold Partner and received the “2010 Dynamics Partner of the Year Award” in the world
for Financial Services Industry. VeriPark’s major customers are Akbank, ING Bank Turkey, Mashreq Bank UAE, Is
Bankasi, Denizbank and DubaiBank.
Silver Sponsor: FICO
FICO (NYSE:FICO) is a leading provider of analytics and decision
management technology. FICO delivers superior analytics solutions that
drive smarter decisions. The company´s groundbreaking use of mathematics
to predict consumer behaviour has transformed entire industries and
revolutionized the way risk is managed and products are marketed. FICO
helps businesses automate, improve and connect decisions across organizational silos and customer lifecycles. The
portfolio includes industry-leading solutions for managing credit accounts, identifying and minimizing the impact
of fraud, and customizing consumer offers with pinpoint accuracy. It also comprises tools, which enable businesses
to create their own decision management applications and models, as well as analytics (predictive models,
optimization and portfolio analytics) and professional services. Most of the world‘s top banks, leading insurers,
retailers, pharma businesses and government agencies rely on FICO to accelerate growth, control risk, boost profits
and meet regulatory and competitive demands. Learn more at www.fico.com. FICO: Make every decision count.
Silver Sponsor: Backbase
Backbase delivers Bank 2.0 Portal software that provides a new, user
experience layer on top of underlying infrastructure and IT systems. It gives financials the opportunity to create
interactions that link customers to relevant information and applications to fit their needs and preferences. With its
modern, widget-based architecture Backbase Bank 2.0 Portal provides the flexibility and speed to create modern
portals that truly empower the customer. Unlike most traditional IT portal vendors, Backbase has created a
contemporary, business-driven portal solution that makes portal management easy for e-business professionals.
This means faster time to market and more flexibility to optimize online channels with less IT support. The unique
Backbase approach enables financials to drive self-service, fuel online revenues and turn their online banking
channel into a true Customer Engagement Platform. Global financials such as ABN Amro, AIG, Al Rajhi Bank,
Bank of America, Barclays, ING, UBS and Visa have improved their online customer interactions and maximized
online customer experience, retention and conversion, by leveraging Backbase’s Bank 2.0 technology. Backbase
was founded in 2003 and is privately funded with operations in New York, Amsterdam, London, Moscow and
Singapore.
Silver Sponsor: EXUS
EXUS provides specialised software solutions in 20 different countries and for
more than 300 customers in the banking, telecoms, utilities and hospitality
sectors. EXUS Financial Suite, EFS, is a comprehensive suite of financial products,
aimed at delivering exceptional value through integrated knowhow and superior functionality. The suite includes
EFS Collection & Recovery, EFS Origination and EFS Scoring. We have developed close partnerships with global
software technology providers, including Microsoft, Oracle and Sitecore, and we were proud to be the first software
company in Europe to win EFQM’s 5-star Recognised for Excellence rating. We have also been ranked as one of the
financially strongest companies, in ICAP’s 2010 ratings.
Silver Sponsor: SunGard
SunGard is one of the world’s leading software and technology services
companies. SunGard serves approximately 25,000 customers in more than
70 countries and has approximately 17,000 employees. SunGard provides software and processing solutions for
financial services, education and the public sector. SunGard also provides disaster recovery services, managed IT
services, information availability consulting services and business continuity management software. With annual
revenue of over $4.0 billion, SunGard is the largest privately held software and services company. For more
information, please visit www.sungard.com.
Analytics Partner: Axslogic Pte Ltd
Axslogic offers a combination of Risk Management products and Knowledge
Outsourcing Services for Financial Institutions, which would also be bundled
as Software as a Service (SaaS). Axslogic provides a range of analytical
services (knowledge outsourcing) and tools (risk systems) in the area
of Credit and Fraud Risk. These services and tools are innovative and of
superior quality built by users for users and offered at a low price to become
Adastra Business Consulting is a boutique consultancy which
focuses on business model optimization especially in the fields
of Risk Management, Sales and Marketing for Banks, Consumer
Finance, Telco Operators and Insurance companies. ABC has
successfully delivered over 90 projects within 25 countries in the
CEE and Asia regions. Our engagements have had immediate results while significantly improving the clients’
business both from a short-term and a long-term perspective. Our core values are result orientation, hard work
and honesty.
Infobip is a global telecommunications specialist with years
of experience in mobile services for enterprises, financial
institutions and mobile operators, allowing them to reach 5,9
billion devices in 190 countries. Infobip maintains a robust
technological platform with over 90 000 business accounts.
Developed entirely in-house and backed by 24/7, highly skilled support, our solutions are offered in a cloud,
smoothly integrating with any system or platform. The portfolio is known for its security, flexibility and highest
quality of service. A trusted partner of banks and insurance companies, Infobip is operating in more than 20 offices
around the globe - Dubai, Istanbul, London, Moscow, Kuala Lumpur, Johannesburg, Vancouver, Buenos Aires and
many more. Due to strong research and development, as well as powerful local presence, we are able to fully
understand clients‘ requirements, and support them as they implement advanced mobile technologies to improve
business operation. Our mGate product, as well as the USSD technology, is used by the leading global financial
institutions of today. Infobip is an associate member of the GSM Association and Mobey Forum. Please contact
Infobip for additional information at [email protected] or visit www.infobip.com
Supporting Sponsor: Bahrain Islamic
Bank
Bahrain Islamic Bank (BisB) was established in 1979 as the
first Islamic commercial bank in the Kingdom of Bahrain, The
authorized capital is BD 100 million and paid up capital is BD 93.967 million. Since its inception, BisB has recorded
a steady growth. At the end of 2011, the shareholders’ funds reached nearly BD 100 million Bahraini Dinars,
with assets in excess of BD 839 million. The Bank had recently launched its new identity with the core objective
of radiating its new and fresh mandate of exceeding expectations, both from an inspirational and a functional
perspective. The Bank has been maintaining its leading position in the Islamic banking sector through adopting
innovative Islamic investment and financing products, supported by superior retail and corporate banking services.
The Bank is listed on the Bahrain Stock Exchange. The major shareholders are leading local and regional financial
institutions. The Bank operates under supervision and the regulatory framework of the Central Bank of Bahrain.
The Bank, with 13 local branches, has established the largest network among Islamic banks in the Kingdom.
These branches offer quality banking services, financing and investment opportunities compliant with Sharia’a
requirement for individual and corporate customers.
Event Partner: Gemalto
Gemalto is the world leader in digital security and at the heart of
the rapidly evolving digital society. Billions of people worldwide
increasingly want the freedom to communicate, travel, shop,
bank, entertain and work, in ways that are enjoyable and safe.
Gemalto delivers on their expanding needs for personal mobile
services, payment security, authenticated cloud access, identity
and privacy protection, eHealthcare and eGovernment efficiency, convenient ticketing and dependable machineto-machine (M2M) applications. The company develops secure embedded software and secure products which
we design and personalize. Our platforms and services manage these secure products, the confidential data they
contain and the trusted end-user services they enable. Our innovations enable our clients to offer trusted and
convenient digital services to billions of individuals.
Exhibitor: Virtual Technologies –
Virtech
Virtual Technologies – Virtech - specializes in leading edge
technology and services that empower retail financial institutions
to address challenges while building a differentiated and sustainable competitive advantage. Our Virtual Branch
platform – VB is designed to address the changing fundamentals of retail banking as they shift from a business led
to customer centric model. The VB not only offers the convenience associated with self service systems, but more
importantly allows the delivery of engaging “personalized” service through use of video conferencing. Combined
with interactive technology and brand experience services, we work with institutions to design and outfit flagship
smart branches to provide customers with an unforgettable experience, leaving lasting brand impressions as well
as tangible results to the bottom line.
Exhibitor: GPS | Global Payment Services
Global Payment Services (GPS) is a Third Party Processor specialized in electronic payment
services providing comprehensive and integrated services related to card payment business
activities. GPS is empowered by knowledgeable expertise, the technology of PowerCARD,
Oracle and IBM. Our system is certified by Visa, MasterCard, JCB and BENEFIT/GCC-Net.
Our advanced and flexible technology enables us to offer you a wide range of Third Party
Processor services to support your Bank in issuing Credit, Debit, Corporate, Private Label and
Loyalty cards, Merchant Acquiring, ATM/POS Driving, ATM/POS routing and switching, in
addition to card Personalization and Statement Printing and Mailing Services. Our aim is
to assist our customers to better control their cost by outsourcing their non-core business
activities that helps them focus on their core competencies.