Tuesday, May 9, 2017


2:15 p.m. - 2:45 p.m.

Co-Brand Card Technologies of Today and Tomorrow

Aaron Frank

Aaron Frank
Co-Founder and CEO, Final

2:45 p.m. - 3:15 p.m.

How Can Issuers & Brands Design The Ideal Card Rewards Program?

Bob Daly Sam McLimans

Bob Daly
SVP, FlexPerks Rewards & Loyalty Management, U.S. Bank

Sam McLimans
Senior Vice President of Cash Management, Fidelity Investments

Well-designed rewards programs are a win/win; providing benefits for the cardholder and providing an opportunity for the issuer to increase their “share of wallet.”

Card issuers need to take three factors into consideration in order to determine the optimal rewards program: the speed at which cardholders earn rewards points, the value of rewards points and how easy rewards points can be redeemed.

Session highlights: • Providing an overview of popular rewards programs and their strengths vs. weaknesses • Determining key factors on whether you should charge an annual fee • Examining the evolution of consumer opinion about travel rewards • Strategies related to assigning an appropriate point value to specific transactions • Prioritizing redemption experience and reward value

3:15 p.m. - 3:55 p.m.

How Consumers Evaluate Rewards For Co-Brand & Private Label Cards

Marianne Berry

Marianne Berry
Managing Director, Payment Insights, Auriemma Consulting Group


4:25 p.m. - 4:55 p.m.

The Death of Co-brands?

Carl Rutstein

Carl Rutstein
Partner, Americas, AT Kearney

• Co-brands once comprised over 50% of the card spend space and have eroded to now less a 25% share of consumer spend. The forces that have driven the erosion are getting stronger not weaker. Yet, there are reasons to believe that co-brands will always be a factor in the credit card marketplace. This session will answer what is driving the overall erosion of co-brands and the implications for the major banks, the major co-brands, and what forces might change this trajectory. • Three major forces to be explored in this session are the growth of bank-branded cards, the decreasing attractiveness of co-brands given rising costs and the risk of interchange regulation/open banking which could gut the underlying co-brand construct. • Finally, we’ll reserve a portion of the time to engage in a lively Q&A session where no topic is off-the-table (e.g., implications of retailer consolidations or bankruptcies, long-term consequences of network interchange deals to secure co-brands, lack of de novo co-brands, implications of mobile and in-app payments)

4:55 p.m. - 5:40 p.m.

Interactive Breakout Discussion Groups

These breakout discussion groups are interactive, guided discussions hosted by either one or two moderators to discuss some of the critical issues and challenges facing the industry. Card Forum attendees can join a table of interest and become an active part of the discussion. To get the most out of this interactive session and format please come prepared to share examples from your work, vet some ideas with your peers, be a part of group interaction and problem solving and participate in active idea sharing.

Table 1: The Value of Co-Branded Cards: A Consumer Perspective Karen Augustine, Manager, Primary Data Services, Mercator

Table 2: Should Issuers Revisit Opportunities Around Health Savings Accounts? Phil Philliou, President & CEO of TruBeacon, Chairperson, Card Forum

Table 3: Strategies to Increase Wallet-share Using Co-Branded Cards Senthil Ramanath, CEO & President, DM Analytics LLC

Table 4. EMV, Security + Fraud Prevention Garfield Smith, V.P. Marketing, Oberthur Technologies North America

Table 5. Snapchat 101: An Intro Guide to Every Millennial's Favorite Platform Kimberly Azzopardi, Content & Mobile Application Development, SourceMedia

Table 6. What Might The Future of Co-Brand Look Like? Carl Rutstein, Partner, Americas, AT Kearney