WEDNESDAY 16TH MARCH 2005 Time 9:15 …

                                  WEDNESDAY 16TH MARCH 2005
Time
9:15    Introduction
        SCHRODINGER'S CASH
        What is quantum cryptography and does it mean revolution in the electronic payments world?

        Chair person: Charles Ross, Managing Partner, Quantum Information Partners LLP

9:30    Keynote 1: Cryptography ­ the State of the Art
        Professor Fred Piper, Royal Holloway

10:15   Quantum cryptography for beginners
        Dr Brian Lowans, Qinetiq

11:00                                                    Coffee
11:30   Expert Panel Discussion: What is the impact on payment systems?

        Stuart Brocklehurst - Senior Vice President, External Relations, Visa International CEMEA
        Michael Mainelli - Director, Z/Yen Limited
        Neil McEvoy - Managing Director, Consult Hyperion
        Jim Woodworth ­ Business Development Manager, ACI Worldwide

12:30                                                    Lunch
        CHIPS AND CHANNELS
        The web, mobile, digital TV and other new channels still need new payment solutions

        Chair person: Parveen Bansal, Business Analyst, Tower Group


14:00   Digital Money in Digital TV
        Richard Cass, Senior Product Manager, Sky Ltd

14:45   Digital Money in Mobile
        Ken Parkinson, Director of Sales and Business Development, EMEA, Qpass

15:30                                                       Tea
16:00   Expert Panel Discussion: How can new payment mechanisms gain traction?

        Lorijon Bacchi - VP, International Advanced Payments Development, American Express
        Neil Garner ­ Director, Consult Hyperion
        Tim Jones - Former Chief Executive, Simpay Limited
        Martin Kearsley - Managing Director, OneVu


                                                      17:00 Break
                                             Champagne Discussion Tables


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                                      THURSDAY 17TH MARCH 2005


9.15    Introduction
        WAVE CASH GOODBYE
        Does the use of RFID and NFC technologies for contactless payments signal the end of cash?

        Chair person: Michael Dick - Non-Executive Chairman, Consult Hyperion

9:30    Keynote speech 2: The Single European Payment Area
        Peter Jones, Payment Systems Europe Limited

10:15   Tipping in Payment Networks: Can Cash Hold its Own?
        Dr Sheri Markose, Director, Centre for Computational Finance and Economic Agents (CCFEA), University
        of Essex

11:00                                                      Coffee
11:30   Expert Panel Discussion: The return of the E-Purse in Europe?

        Debbie Gamble ­ Senior Vice President, Product & Strategy, Dexit
        Murdo Munro - Vice President, Mobile /Wireless, MasterCard
        Monika Hartmann - Payment Systems Policy Division, European Central Bank
        Charles Monheim - Director, Oyster Card

12:30                                                      Lunch
        PHYSICAL AND VIRTUAL
        Is the Net really creating demand for new thinking on payments in both physical and virtual worlds?

        Chair Person: Ken Howes, Director, Edgar Dunn


14:00   Postal Orders ­ a Physical Presence in a Virtual World
        Iain Gilbert, Senior Product Manager, Postal Orders, Post Office Ltd

14:45   Virtual Money in Virtual Worlds
        Dr Richard A Bartle - Visiting Professor, Department of Electronic Systems Engineering, University of
        Essex, author of Designing Virtual Worlds (2003) and voted one of the UK¹s top 100 most influential
        Internet persons

15:30   Expert Panel Discussion: What's the next big thing in Digital Money?

        Russell Atkinson - Director e-Payments, Travelex
        Dick Clark ­ Principal Consultant, Consult Hyperion
        Charles Goldfinger ­ Business Strategy Director, Interactive Investor
        Jof Walters - Head of Innovation, Barclays UK Banking

                                                       16:30 Close




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