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Contents//17 INTRODUCTION

//19 PRIME SPONSOR MESSAGE

//21 THE JUDGES

//23 THE RESULTS

Martin Fielding, CEO,TheCard&PaymentsAwards

The Card & Payments Awards 2013

Introduction


Martin Fielding, CEO, The Card & Payments Awards

Fay RipleyActress and Cookery Writer

//Andsoour8thannualawardsceremonyforthecardsandpaymentsindustryin the UK and Ireland has come to a close! A capacity audience in the Great

RoomattheGrosvenorHousehasseenthebestproducts,programmes,campaignsandinitiativesintheindustryrewardedforexcellence,innovationandexceedingcustomerexpectationsgenerally. YoumaynothaveagreedwitheveryresultontheeveningbutIcanassureyouthatthewinnerscelebratedinthismagazineweresubjectedtoamostrigorousjudgingprocess.Thepanel,chairedexpertlyonceagainbyJohnWoodsofMoneyfacts,hadthetaskofchoosingfromnearly150entriesacrossthe22categoriesopenforcorporateentries.MythanksgotoJohnandhisteamfortheirherculeanefforts. YouwillseethenameofeachofourCategorySponsorsundereachheadinginthemagazine.MythanksgotothemandIalsoneedtothankourPrimeSponsorTSYSfortheirsupportsincewestartedtheseAwardsin2006.AlsoourSilverSponsor,Ingenico,whoprovidedthepaymentterminalsoneachtableforthecharityraffle.ThankyoutoVocalinkwhosponsoredthechampagnereception,InsigniaCardswhosponsoredthebusinesscarddrawandContisGroup,whosponsoredtheafter-showparty. Finally,Ineedtothankallthosewhoattended.WithoutyouTheCard&PaymentsAwardswouldnotbethepremiernetworkingeventintheindustry’scalendar.Iwouldencourageyoutobookyourtablesearlyfornextyearviaourwebsitewww.cardandpaymentsawards.comwhereyouwillalsofinddetailsofhowtoenterthe2014awards. Ihopethatyouenjoyedthisyear’sawardseveningandthatwewillseeyouagainnextFebruary.

Martin FieldingCEO,TheCard&PaymentsAwards

BEST CARD DESIGN OF THE YEARWinner: Barclays BankBarclays Personalised Debit Card

BEST CARD BENEFITS PROGRAMME OF THE YEAR Winner:AmericanExpressTastefromPlatinumandPlatinumCurated

BEST ALTERNATIVE PAYMENTS PROGRAMMEWinner:i-movoi-movoCashOut:DigitalVoucherSystemHighly Commended - LondonBoroughofBrent&PrepaidFinancialServices-BrentDirectPayments

BEST OVERSEAS PAYMENTS PROGRAMMEWinner: Barclaycard USRing Credit Card

BEST CHARITY CARD PROGRAMMEWinner:AmnestyInternational&TheCo-operativeBankThe Amnesty Inteternational UK Credit Card

BEST SECURITY OR ANTI-FRAUD DEVELOPMENTWinner: Capital OneCapitalOneAnti-FraudDevelopment

BEST CORPORATE SOCIAL RESPONSIBILITY PROGRAMMEWinner:AmericanExpressRealisethePotentialoftheCommunity

BEST TECHNOLOGY INITIATIVE OF THE YEAR Winner: Acceptacard LtdPayatrader

BEST BUSINESS CARD PROGRAMMEWinner: CorporatePayCorporate Pay Virtual Solution

BEST CRM PROGRAMMEWinner:RoyalBankofScotlandGroupRBS & Aimia Your Points

BEST ACHIEVEMENT IN CUSTOMER SERVICEWinner:NationwideBuildingSocietyListening to our customersHighly Commended HSBC Bank - First Direct Credit Card

LIFETIME ACHIEVEMENT AWARDWinner:KenHowes

BEST CARD MARKETING CAMPAIGN OF THE YEAR – CREDIT CARDSWinner: Tesco Bank Frozen

BEST CARD MARKETING CAMPAIGN OF THE YEAR – OTHER PAYMENT PRODUCTS Winner: Barclays Bank Barclays Personalised Debit Card

MOST RESPONSIBLE CREDIT CARD LENDING PRACTICESWinner:NationwideBuildingSocietyProactivePaths

BEST INDUSTRY INNOVATION OF THE YEAR Winner:AmericanExpressAmericanExpress+foursquarePartnership

BEST CARD CROSS SELLING PROGRAMME OF THE YEARWinner:TheCo-operativeBankShop and Win

BEST INITIATIVE IN MOBILE PAYMENTSWinner: Barclays BankPingit

BEST MERCHANT ACQUIRING INITIATIVEWinner: Lloyds TSB CardnetLondon 2012 Games

BEST AFFINITY OR CO-BRANDED CARD PROGRAMMEWinner: Asda & LaSer UKAsda Money Credit CardHighly Commended - Costco&AmericanExpress-TheCostcoTrueEarningsAmericanExpressCreditCard

BEST NEW DEBIT CARD PROGRAMME OF THE YEARWinner: M&S Bank M&SDebitCardwithRewards–DesignedbyCustomersforCustomers

BEST NEW PREPAID CARD PRODUCT OF THE YEARWinner: CitizenCard & ValitorVisa Prepaid CitizenCard

BEST NEW CREDIT CARD PRODUCT OF THE YEARWinner:NationwideBuildingSocietySelect:OutBestEverCreditCardHighly Commended - Asda&LaSerUK–AsdaMoneyCreditCard

INDUSTRY PERSONALITY OF THE YEARWinner: Colin Grannell

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Thisyear’schosencharityisGreatOrmondStreetChildren’sHospital.FayRipley,actressandcookerywriterspokeveryeloquentlyinsupportofthisworthlycause,tellingtheaudiencethattheredevelopmentofGreatOrmondStreetHospitalisthegreatestlogisticalandfinancialchallengeinitshistory,andwillcost£321movereightyears.

Thehospitaliscurrentlyworkingtoraise£45milliontocompletePhase2ofitsdevelopment.

DuringtheAwardsevening,weraisedafantastic£23,000towhichwillbeaddedtheproceedsofsalesofadvertising.

Wethankeveryonewhocontributedsogenerously.

GreatOrmondStreetHospitalChildren’sCharity.Registeredcharityno.235825

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Prime Sponsor MessageAs Prime Sponsor TSYS is proud to support The Card & Payments Awards for the eighth consecutive year since inception.

In2013,TSYScelebratesits30thAnniversaryandourthemeis“LookingBack.MovingForward”...webelievethisisasimilartheme,andmindset,sharedbymostentitiesintheUKandIrishpaymentsmarket.

• Today’spaymentsindustryisaboutspeed-to-marketandinnovation…faster,better,cheaper… anytime,anywhere,anydevice

• Wemustalllearn,andbuildon,ourexperiencefromthepast…takethebestinwhatwe’ve doneandaccomplished…refineit,reinventitandrepackageittomakethingsevenbetter

• Ourbusinesshasbeenbuiltonthe“idealsofvaluingtheworthofeveryindividual”–whether that’sacustomer,partnerorteammember–weunderstandthatifwecancreateapositive attitudeaboutourbusinessandourpeople,thisbecomescontagious(contagiousinagoodway) andwecanhelpimprovetheoverallperception,andsuccess,ofthepaymentsindustry

• TheCard&PaymentsAwardsisanotherexampleofhoweachofus,andourrespective institutions,willplayourownroleincreatingindustry-leadingsolutionsandprovidingservices, productsandcapabilitiesthattheendcustomersneedandwant

TSYS would like to congratulate all the finalists and winners at The Card & Payments Awards 2013.

Kelley C. KnutsonExecutiveVicePresidentTSYS International www.tsys.com


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JOHN WOODSChairoftheJudgesandChairman,MoneyfactsGroup

ROGER ALEXANDERChairman, Greenings International

PAUL BERNEYManagingDirector&ChiefMarketingOfficer,Mobile Marketing Association

TRACEY BLEAKLEYChiefExecutive,Personal Finance Education Group

JOHN CAMPBELLVice President, Visa Europe

ROBERT COURTNEIDGEGlobalHeadofCardsandPayments,Locke LordChairman, Prepaid International Forum

UNA DILLONHeadofCardServices&CommunicationsIrishPaymentServicesOrganisation(IPSO)

KEITH DOUGLASGroup General Manager - UK & Ireland MasterCardWorldwide

KEN HOWESPaymentsStrategyAdviserFoundingDirector, Prepaid International Forum

KELLEY K KNUTSONExecutiveVicePresident,TSYS International

PHIL MCGILVRAYVice President, Global Corporate Payments,AmericanExpress

ANNICH MCINTOSHManaging Editor, C&M Publications

KEVIN MOUNTFORDHeadofBanking,Moneysupermarket.com

PAUL RODFORDHeadofCardPayments,The UK Cards Association

THAER SABRIChiefExecutive,Electronic Money Association

CHRIS SKINNERChiefExecutive,Balatro Chairman, TheFinancialServicesClub

MATT SLOANManaging Director, EMEA ,Diners Club International


Chairman, Moneyfacts Group Chair of Judging Panel JohnWoods

The Judges//

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The Card & Payments Awards 2013 - The Winners

//BarclaysBankperceivedthattypical payment card designs

expresscorporateidentityandaretraditionallyuncompromisingwhenitcomestocustomers’individualtaste.In February 2012 Barclays Bank, in partnershipwithGemaltoandVisaEurope,launched its Personalised Debit Card intendingtodrivecustomers’emotionalengagement.

Barclaysidentifiesitsdebitcardastheprimaryinterfaceforacustomer’sbankingexperienceandsoitisthemosttangibleandvisibleaspect.Theprogrammeoffersall13millionofBarclays’customersthechancetohavecreativeresponsibility

fortheirowncarddesign–atnocost.AllcustomersrequireisaBarclaysdebitcard, an internet connection and their imagination. Customerscanhavecompletefreedomtochoosetheirdesign,pickingimagesfromthefullbreadthofhumanexperience:lovedones,magicmoments,pets,specialplaces. Barclays store the designs so thatifacardislostorstolenthechosendesigncanbereissuedexactlyasbefore.Customers can change their designs as frequentlyastheywish.

Thisentryhighlightedtheprimarybenefitasbeingincreasedwarmthandemotional

engagementwithitscustomers.Takeupofthepersonaliseddebitcardhasbeenstrongandanalysisoftransactionsbycustomerswithapersonaliseddebitcardwhencomparedagainstastatisticallysignificantcontrolgroupdemonstratedamaterialupliftinthevolumeoftransactions.

Barclays BankBarclays Personalised Debit Card

FINALISTS

WINNER

Asda & LaSer UK Asda Money Credit CardBarclays BankBarclays Personalised Debit CardCapital OneAspire EliteContis GroupcredEcardplusHome RetailGroup&VanquisBankArgos Credit CardM&S BankNewFashionedBanking:SliceofBritishLifeDebitCard

(l-r)AnitaRajdev,ChiefOperatingOfficer,Serverside,aGemaltocompany,DavidReynolds,HeadofUKDebitCardsatBarclaysBank,AlexanderArmstrong,Host.

Best Card Design of the Year

SPONSORED BY

JUDGES’VIEW“thedesignapproachencouragesgreatengagementwiththe brand”

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SPONSORED BY

//Inacrowdedaffluentcustomermarketplace,AmericanExpress

sawtheopportunitytotakethePlatinumChargeCardtothenextlevelbytappingintocustomers’passionpoints.TheTastefromPlatinumandPlatinumCuratedprogrammeswerelaunchedin2012todrivehigherengagementandsatisfaction.

WithTasteAmericanExpresspartneredwithrestaurantstobringCardmemberscomplimentaryextras.ThePlatinumCuratedprogrammebringsover20exclusiveeventseachyear.UnderthePlatinumCardpositioning“YourWorld

MoreSpecial”theprogrammessoughttoupliftNetPromoterScoresandSatisfaction.

PlatinumCardholdersareinvitedtoattendanyoftheexclusiveevents.ThesehaveincludedaseriesofprivatedinnershostedbysixfemaleMichelinstarredUKchefsincludingAngelaHartnettandawinetasting in the Moet Hennessey Boardroom. AmericanExpressconsiderthePlatinum Card to be a true companion tocardholders’lives,providingthemwithawidelyacceptedpaymenttool

and also a mechanism to unlock special experiences.Constantinnovationisakeyfactorforsuccessinmaintainingitsmarket leading position. Since the launch ofthesetwoprogrammestheuseofthelifestyleconciergeservicehasdoubledandrequestsforrestaurantbookingsareup43%.Customerserviceratingshaveimprovedwitha19.4%increasein‘Excellent’ratings.

American Express Taste from Platinum and Platinum Curated

FINALISTS

WINNER

American ExpressRealise The Potential LondonAmerican ExpressTastefromPlatinumandPlatinumCuratedCapital OneAspire EliteInterContinental Hotels Group & BarclaycardPriorityClubRewardsBlackVisa,PoweredbyBarclaycardMarriott & LaSer UKMarriottRewardsCreditCardSantander Cards123CashbackfromSantander

Best Card Benefits Programme of the Year

l(-r) Giles Desforges, Vice President, Northern Europe, Affinion InternationalLynda Williams, New Product Development Director for Premium Benefits and Membership Rewards, American ExpressAlexander Armstrong, Host.

JUDGES’VIEW“pitchedperfectlyforthetargetaudience…thisissomethingAmericanExpressdoextremelywell”

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London Borough of Brent & Prepaid Financial Services

Brent Direct Payments

HIGHLY COMMENDED

//Thejudgeshaverecognisedi-movoforitspioneeringalternative

paymentsystemwhichbringsaninnovativeandsociallyusefulpaymentmethod to the UK. CashOut is a digital vouchersystemmakingpaymentstocustomersusingtheexcesscashinretailers’tills.

Usingtextmessagevouchersthesystemaddressesashortcomingofpreviouscashpaymentsystemsbyusingpointofsaletechnology and card payment protocols to confirmsecurelythatthevoucherisvalid.The system predominantly uses PayPoint outletsforcustomerstoredeemvouchers.

Thisprovidesawidespreadnetwork.Theretailersbenefitfromtheincreasedfootfalland the reduction in cash handling costs.

CashOut addresses the statistic that 8 millionadultseitherdon’thaveabankaccount or are unable to use their account duetoover-extendedcredit.

SomeoftheorganisationsusingtheCashOutsystemincludeBritishGas’loyaltybonusesforprepaidcustomers,Gadgets4EveryonetodisbursepaymentsforrecycledgadgetsandE.ONwhohasused the CashOut system to disburse mandated£80fueltopupstovulnerable

groupswithintheircustomerbase.

Thissimplebuthighlyeffectivepaymentmethodisprovidingaverybeneficialandwidelyusedservicetoallstakeholders.Duringthequalifyingperiodpaymentsofmorethan£14millionweremadeusingthe system.

i-movoi-movoCashOut:DigitalVoucherSystem

FINALISTS

WINNER

BarclaycardPrecisionpay

i-movo i-movoCashOut:DigitalVoucherSystem

London Borough of Brent& Prepaid Financial Services

Brent Direct PaymentsO2 Money Telefonica UK& IDT Financial

ServicesO2 Money Account Virtual Visa Prepaid

CardSkrill (Moneybookers)

SkrillWorldPay

WorldPayAlternativePayments


Best Alternative Payments Programme

(l-r)JohnWoods,ChairofJudgesandChairmanofMoneyfactsGroupDavidTymm,ChiefExecutive,i-movo,AlexanderArmstrong,Host.


//Lowtrustinbankscoupledwiththeproliferationofsocialmediaand

communitybasedreviewswasthecontextwithinwhichBarclaycardUSconceivedBarclaycardRing–thefirstcommunity“crowd-sourced”creditcard.

Withalowinterestrate,nobalancetransferandnoannualfee,Ringisasimplebutcompetitivecard.Uniquely,anonlineframeworkprovidescardholderswiththeabilitytoinfluencedecisionsthataffectthecard’sProfit&LossAccount.Cardholdershavealreadyvotedonlatefeeforgivenessandareduetoprovidefeedbackonotherproducttrade-offsthat

caninfluencetheinterestrate.BarclaycardUSlaunchedRingtoaselectgroupofsocialmediainfluencerswhocouldprovidefeedbackandco-managethecommunityofcardmembers.Acquisitionhasbeendrivenlargelythroughwordofmouthreferrals.

RingallowsBarclaycardUStoraiseitsownprofile;theUScardbusinesshadpreviouslylargelybeendrivenlargelyby co-branded partnerships. With Ring, BarclaycardUShashoneditsinnovationcredentials and is leading the industry in whatmanysaycouldbethefutureofcreditcards.Thesuccessoftheproductisevident

fromthestrongbondandhighleveloftrust the Bank has generated amongst its cardmember community. Compared withtheopenmarket,Ringcardmembersaremoreactiveonlineandpaytheirbillsonline more.

Barclaycard USRing Credit Card

FINALISTS

WINNER

Barclaycard US Ring Credit CardBarclays Wealth & BarclaycardBarclaysWealthCard,PoweredbyBarclaycardCashFlowsPrego Pay2Home ProgrammeContis GroupcredEcardplus&TCSOverseasPaymentProgrammeSkrill (Moneybookers)Skrill

(l-r)JohnWoods,ChairofJudgesandChairmanofMoneyfactsGroupNick Clements, Managing Director UK Cards, Barclaycard Consumer Europe, AlexanderArmstrong,Host

Best Overseas Payments Programme

JUDGES’VIEW“aninnovativesolutionthatanswersapressingneedamongsttheunbankedandwhichalsomakescommercialsenseforallstakeholders.”

JUDGES’VIEW“Veryinnovativewithpotentialforapplicationinotherterritories”

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//In2012CapitalOneexperienceda300%yearonyearincreaseintravel

andairline(T&A)fraud.

Therewereonlylimitedexistingoptionstodealwiththisincrease;industryleadingfraudsystemshadalreadybeenimplementedandasbaselinefraudlevelswerealreadylowtherewasaninherentchallengetojustifyROIfornewertools.

CapitalOnecouldnotpreventthefraudstersbyincreasingdeclineswithoutaffectinginnocentcardholders.Howevertheywereableuncoverpreviouslyuntappedinformationheldbytheir

disputesteamwithinitsTS2systemprovidedbyTSYS.

Thisinformationofferedthefraudteamthebasisforasimplebutcompellingsolution.Analysisindicatedthattheleveloffraudissignificantlyhigherwhenthenameofpassengerdoesnotmatchthenameofthecardholder.

ThetimingsofdatafeedsmeantCapitalOnecouldnotdeclinethepotentialfraudbut they could prioritise a call to the cardholder and then the merchant to potentially cancel the booking prior to the traveldate.

Thislowcostbutelegantinitiativepaidimmediatedividends.CapitalOnecancelledover£20,000offraudulentT&Abookingsinjustonemonth,referring3casestoUKpoliceforces.CapitalOneachievedthissuccesswithoutdecliningany genuine transactions.

Capital OneCapitalOneAnti-FraudDevelopment

FINALISTS

WINNER

Barclays Wealth & BarclaycardBarclaycard Wealth Fraud StrategyCapital One CapitalOneAntiFraudDevelopmentLaSer UKLaSer UK + GB Group Anti-Fraud DevelopmentSantander CardsCreditCardAlerts…SafeandSecureWorldPayWorldPay Dispute Management System

Best Security or Anti-Fraud Development

SPONSORED BY

//TheCo-operativeBankandAmnestyInternationalhave

workedtogetherfor20yearstoprovidetheAmnestyaffinitycreditcard.Therelationshiphasevolvedovertimewithfinancialandstrategicgoalsforallpartiesbeingmetviaarangeofinnovativeactivities.

Acriticalreasonforsuccessistheethicalcredentials that both partners share. TheCo-operativeBank’sEthicalPolicystatesthattheBank‘willnotinvestinanybusinesswhichfailstoupholdbasichumanrightswithinthesphereofinfluence’Thisaffinitycardprovides

AmnestysupporterswiththedesiredethicalproductthatallowsthemtoraisemoneyforAmnesty’sworkatnocosttothemselves.

Duringthequalifyingperiod,thecreditcardraisedmorethan£220,000forthecharityandreachedthemilestoneof£3million raised by Amnesty supporters since thelaunchofthecard.

Amnesty International had been celebratingits50thanniversaryandthiswasleveragedwithaDoubleDonationcampaignandsupportedusingawiderangeofmarketingchannels.

TheAmnestyAffinitycardperformswellcomparedwithstandardcardportfoliosforarangeofmetrics.Arecentfocusgroupcontributorcommented“youwouldwanttoflashyourAmnestycard”summarisinghowpleasedCardholderscanbetohelpraisemoneyforthecharityatnocosttothemselves.

Amnesty International & The Co-operative Bank

The Amnesty International UK Credit Card

WINNER

(l-r)KeithBrown,ManagingDirector,Paythru,GethinJames,Trust&CorporateFundraisingOfficerandDavidAblett,RelationshipManageratTheCo-operativeBank,AlexanderArmstrong,Host

Best Charity Card Programme


JUDGES’VIEW“Thisprogrammedemonstratesthebenefitsofcongruenceofobjectivesbetweentheaffinitygroupandthecardissuer”

(l-r) Sachen Chudasama, Terri Allsop, Ada Akapala, Transaction Fraud Associates,KevinMatthews-FraudAnalysisManager,DianeNeedham-ApplicationFraudFrontLineManager,NicolaWinter-HeadofFraudStrategy&Analysis,RichCoe-FraudInvestigationsManager,StuartHannan-FraudComplianceManager,MikeKeeton-HeadofFraud,AlexanderArmstrong,Host,JohnHoughton-FraudSystemsTechnicalSpecialistCapitalOne

JUDGES’VIEW“veryimpressedthatthedesiretodrivedownfraudhasledtodevelopmentofanon-proprietarysystemthathasbeenwillinglysharedwiththeindustry”

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SPONSORED BY

//AmericanExpressstrivetobegood corporate citizens in the

communitiesinwhichtheyoperate.AsthelargestprivateemployerinSussex,AmericanExpressfeelsthisresponsibilityevenmorestrongly.

In2010AmericanExpresspurchasedthe naming rights to the Brighton &HoveAlbionFCstadiumwiththeobjectiveofusingtheAmericanExpressCommunityStadiumasaplatformtodeliveritsCorporateSocialResponsibilityMission.AmericanExpressalsoformedanotherpartnershipwith“AlbionintheCommunity”,thecharityarmofBrighton

&HoveAlbionandtogetherlaunchedacommunitypartnership-“RealisethePotentialoftheCommunity”.

InoneyearaloneAmericanExpresshasbenefitedmorethan3,000peoplebyengaging500employees-20%ofthelocalworkforce,tosupportqualifiedstafffromAlbioninthecommunitytodeliverCommunityprogrammes.Initiativeshaveincludeddaysoutforyoungdisabledpeople;improvingyoungpeople’sunderstandingoftheimportanceofphysicalactivityandmakinghealthierfoodchoices;allotmentregeneration;children’ssportsfestivals.Anotherelementis

supporting people to gain employment and AmericanExpressisworkingcloselywithAITC’sWanttoWorkProgramme.

In12monthstheresultshavebeenimpressive.Objectiveshavebeenexceededand the partnership recognised at The HouseofCommons,theFootballLeagueTrustandnowTheCard&PaymentsAwards.

American ExpressRealisethePotentialoftheCommunity

FINALISTS

WINNER

AirPlus InternationalTheFinancialServiceIndustry’sFirstEntirely Carbon-Neutral ProductAmerican ExpressRealisethePotentialoftheCommunitySantander CardsSantander Foundation Fund

Best Corporate Social Responsibility Programme

(l-r)MattSloan,ManagingDirectorofEMEA,DinersClubInternationalMelanieGreen,RelationshipManagerforAmericanExpressCommunityStadium,AlexanderArmstrong,Host

JUDGES’VIEW“afantasticprogramme….onewhichwentwaybeyondthenormalboundsofcommunityinvolvement”

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SPONSORED BY

//Combiningexistingtechnologyanddevelopingnewtechnology

toprovideamulti-channelpaymentprocessing solution, Payatrader, launched in2012,istheUK’sfirstpaymentprocessing proposition truly designed aroundtheneedsofsmallbusiness.Itsfullyintegratedsolutionallowsuserstoviewallpaymentsfromanychannelinasingle account. The solution also has a GPRSChip&PINterminalwithelectronicreceipting–enablingcardremotepayments,withfullauthenticationandwithouttheneedfordevicepairingoraprinter.

Payatraderallowsforitsportaltobeco-brandedforindividuallargercustomerstoprovideabrandedpaymentexperienceforpartnerssuchasXLNTelecom,Checkatrade,TrustaTraderandOvenU.

WorkingwithThyronSystemsandBarclaycard,Payatraderaimstogivesmallbusinessesrichpaymentfunctionalityandafullycompliantcardauthenticationand processing solution enabling secure paymentinvirtual,mobileandfacetofaceenvironments.Bydesigningwitharuthlessfocusonsimplicityandprocessefficiency,thepricingisacceptableto

smallmerchantswhootherwiserelyoncashandcheques.

ThejudgesconcurredthatPayatraderhasintelligentlyleveragedexistingtechnologyanddevelopedittoproduceacompellingsolution that can attract, recruit and profitablymanagemillionsofsmallandmicrobusinessesthatdidnotpreviouslyaccept cards.

AcceptacardPayatrader

FINALISTS

WINNER

AcceptacardPayatraderAurora Fashions & ikano Financial ServicesCardApplicationProcessingviaiPadsBarclaycardPayBandBarclaycardPrecisionpayFairFX & Wirecard Card SolutionsFirstUKCurrencyProvidertoofferMobile BankingPaythruParkREGpoweredbyPaythru

Best Technology Initiative of the Year

(l-r) Cillian Wright, Marketing Director, Ingenico, Bill Thomson, Managing Director, Acceptacard, Linda Cook, Marketing Director, Acceptacard, Mike Parry, TechnicalDirector,Acceptacard.AlexanderArmstrong,Host

JUDGES’VIEW“agreatexampleofthedevelopmentofexistingtechnologytomeetcommercialrequirements.”

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SPONSORED BY

//CorporatePay’suniqueandeffectivevirtualprepaidcard

technologysolutionwasdeemedtobethecompellingwinneroftheBestBusinessCardProgrammefor2013.TheCorporatePayprogrammehasenjoyedveryimpressivecommercialsuccesswithinthequalifyingperiod.UsingtheCorporatePayvirtualprepaidcardtechnologysolution,businesses can generate single use cards ofaspecificcardtypeandcurrencyinrealtimeandformultiplesectors.

Withanincreasinglyimpressivefootprintinthetravelsector,thesolutionisusedbytravelagents,touroperatorsandtravel

companieswhorequiretheabilitytomake real time payments in a controlled mannertomultiplesuppliersforasinglebooking.ThesolutionforvirtualpaymentshasallowedCorporatePaytodevelopadominantpositionwithinthetravelsectorwithanewpeakseasonusage high in 2012.

UseoftechnologyhasbeenattheheartofCorporatePay’srapidgrowth:includingdirect API integration and integration into variouscoreindustrytechnologypartners,anonlineuserinterfaceandenhancedsectorspecificfeaturestosupportthetravelindustry.Thisenablesusersto

reconcileagainstinformationthatisrelevanttothem.Companieshaveaccesstoafast,efficient,transparentandcosteffectivesolutiontoprocesspaymentsinhighvolumesandwithaccesstoasingleviewofallvirtualtransactionson a daily basis.

CorporatePayCorporatePay Virtual Solution

FINALISTS

WINNER

Access Prepaid Worldwide & Raphaels BankCashPassport&ErasmusTravelProgrammeAirPlus InternationalTheFinancialServicesIndustry’sFirstEntirelyCarbon-Neutral ProductBank of IrelandBusiness Card ProgrammeCashFlowsCashFlowsBiometricPrepaidCardCorporatePayCorporatePay Virtual SolutionMarriott & J.P. MorganThe UK Marriott Purchasing Card

Best Business Card Programme

(l-r)AdrianGarton,ManagingDirector,TSYSManagedServicesEMEAMylesStephenson,CEO,CorporatePay,AlexanderArmstrong,Host

JUDGES’VIEW“Veryimpressivevolumesoftransactionsforsucharelativelynewapplication”

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SPONSORED BY

//Your Points is Royal Bank ofScotlandGroup’sloyalty

programme that sits alongside their credit card products. Cardholders are able to earn1pointforevery£1spent.Pointscanberedeemedfortravelrewards,wineoffers,highstreetvouchersandmerchandise.

RBSGandAimia’sanalysisevidencedthatpointsredemptiondrivescustomerengagement,upliftsspendandincreasesprofitability.ThisinsighthasbeenincorporatedintotheCRMactivitythroughthedevelopmentofpropensitymodelstoidentifycustomersmostlikely

to redeem. Additional supplementary modelsweredevelopedtoidentifythemostappropriateredemptionrewardtoofferthesecustomers.ThesemodelswereimplementedinQ42011customerstatements

ByeffectiveuseofCRM,RBSGwasabletoleveragethecorrelationbetweenmodelscore and actual redemption rate. 1 in 4 customers in the highest scoring decile wentontoredeem.UseofCRMwiththiscampaignallowedRBSGtoincreasetheirresponseratesby101%overallandatotalof1billionpointswereredeemed.Afterredemption,theaveragecustomerspend

roseby49%.Thisimportantlyreinforcesthevalueoftheprogrammetocustomers,drivingongoingengagement,cardusageandprofitability.ItalsoallowedRBSGtomanageitspointsliabilityeffectivelyandalsodriveamaterialincreaseinemailmarketingpermissionsforinclusioninfuturecampaigns.

Royal Bank of Scotland Group RBSG & AIMIA Your Points

FINALISTS

WINNER

Marriott & LaSer UKMarriottRewardsCreditCardNationwide Building SocietySelecting The BestRoyal Bank of Scotland GroupRBSG & AIMIA Your PointsSantander CardsCRM…AsEasyAs123Virgin Atlantic Airways & MBNAThe Virgin Atlantic Credit Card Account

Best CRM Programme

(l-r)MitchArmstrong,Director-ClientSolutions,ACIWorldwide,TinaChristisonDataPlanningDirector,ProprietaryLoyalty,Aimia,MattCarterHeadofCustomerEngagement,RBSG,AlexanderArmstrong,Host

JUDGES’VIEW“paysfarmorethanlipservicetotheuseofdatatodriveresults.”

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HIGHLY COMMENDED HSBC BankFirst Direct Credit Card

SPONSORED BY

//ByNationwide’sownadmission,therewasaprocessfocusrather

thanaservicefocusforcustomercontactwithcreditcardholdersatthestartof2012.Withitswinningentry,thejudgesrecognisedthesignificantimprovementsdeliveredtocustomerservicewithamaterialre-engineeringoftheapproachtocustomerservice.

Recognisingthatcustomerexperiencewasbelowpar,Nationwideinitiatedaredesign.NationwideusedNunwoodservicesatisfactiontracker(ST)scorestoassesscustomerfeedbackandwiththeappointmentofaCustomerExperience

Manager used the ST data to highlight theareasforimprovement.Anewrecruitmentprocesssoughttofocusmoreon communication skills.

Roadshowscommunicatedtokeyfrontlinestakeholderstheimportanceofcustomersatisfactiontargetsandempoweredthemtoimprovefirstcallresolution.ContractswithNationwide’sthirdpartycallcentre,TSYSManagedServiceswereamendedtorewardachievementofSTscores.Qualityandcoachingsessionswereimplementedwithnewknowledgeexperts.Allofthishasbeenwrappedwithsimplifiedcustomerfacingprocesses.

TheresultswereAwardwinningwithmarketleadinglevelsofcustomersatisfactionshowingNationwidewithasignificantleadonitsnearestcompetitor,complaintlevelsmateriallyimprovedandfirstcallresolutionsignificantlyhigher.ThetargetedlevelsofSTwerealsoachievedforallfourmonthstoOctober2012.

NationwideBuildingSocietyListening to our customers

FINALISTS

WINNER

AIB Merchant ServicesAIBMerchantServicesCorporate Account SpecialistsAsda & LaSer UKAsda Money Credit CardBarclaycard eStatementsBarclaycardMobileAccountServicingHSBC BankFirst Direct Credit CardNationwideBuildingSocietyListening to our customers

Best Achievement in Customer Service

(l-r) Keith Douglas, Group General Manager, UK and Ireland MasterCardRudolfHeafHeadofBankingOperationsandTerryKaye,DivisionalDirectorCustomerOperations,Nationwide,AlexanderArmstrong,Host


JUDGES’VIEW“Thiswasascomprehensiveprogrammeofimprovementascouldbeexpectedtobeachieved”

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// Spring 2013 41



SPONSORED BY

//KenHowesisawell-knownvoicewithinthecardsindustryhaving

hadaverysuccessfulcareer. Kenspent26yearswithMidlandBankwithexecutivemanagementpositionsincludingCardServicesDirector,Electronic Banking Director and Head ofPaymentsStrategy.HealsospentayearoverseeingtheHSBCGroupcardbusinessesinover25countriesworldwide.DuringthistimeKenwasinvolvedinleadingedgedevelopmentssuchasSwitch,thentheUK’smajordebitcardprogrammewherehewasoneofthefoundingfathers,andMondexwhichwasanearlystageinnovativeprepaidsmart

cardschemedevelopedinconjunctionwithNatWestandsubsequentlypurchasedby MasterCard.

KenjoinedEdgarDunnandCompanyin1996helpingtosetuptheLondonoffice.KenwasresponsiblefortheEuropeanoperationsofEDCandamemberofthefirm’sexecutivemanagementcommitteeuntil his retirement in 2010. During his timewithEDChebecameextremelywellknownintheemergingprepaidcardsectorwhereheheldexecutiveresponsibilities throughout the formationofthePrepaidInternationalForum(PIF)aglobalnot-for-profittrade association established to

represent all parties participating on a commercial basis in the prepaid economy.

Ken’strademarkishishighprofileandleadingedgeconsultancyassignmentsforblue chip organisations in many countries throughouttheworldonawidevarietyofpayments-relatedtopics,whichgiveshimatrulyglobalperspective.Hisvisionandstrategicthoughthaveallowedhimtoreachthetopofhisprofession.

KenHowesWINNER

Lifetime Achievement Award

(l-r) Laura McCracken, Partner, Payments Practice, The Ashton PartnershipKenHowes,AlexanderArmstronghost

JUDGES’VIEW“aconstantandwelcomingpresencewhohasalwaysworkwiththeindustry’sbestinterests.”

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SPONSORED BY

//In late 2011 Tesco Bank launched its Frozencampaignwithanambitious

target to recruit customers at a modest costperacquisition.TescoBankneededitsmarketingcampaigntodeliverresultsbeyondthenormfortheplannedlevelofinvestment.

Thekeytosuccesswasahighlyefficientmulti-mediacampaigntargetedatexactlytherightcustomers.TescoBankachievedthis by analysing the 15m strong Tesco Clubcarddatabasetoidentifywhichcustomerswouldbemostlikelytowelcomethe Tesco Bank Credit Card. The campaign

messagewouldsuitthefamilycentricneedsoftheseprospects–ClubCardpointsoneverypurchase,0%onpurchasesfor16monthsandthechanceto‘winbackthecostofChristmas’inaprizedraw

CarefulgeomappingallowedTescoBanktoidentifystoreswiththeoptimumdensityofshoppersmostlikelytorespond.TescoBankthendiligentlycraftedamarketingcampaignthatinvolveddirectmailandemail, outdoor media tactically placed near to the 165 chosen stores, in-store media including hanging boards, instore displays and social media.

Tesco Bank hit its ambitious target thanks toahighlyefficientcampaignthatdeliveredresultswithoutwastingmoneyorenergyandattherequiredcostofacquisition.

Tesco BankFrozen

FINALISTS

WINNER

Asda & LaSer UKAsda Money Credit CardBarclaycard‘AmazingMay’M&S BankM&S Credit Card ‘Points Millionaire’CampaignSantander CardsLaunchof3%CashBackonNational Rail and TFLSantander CardsYouSpend,YouSaveTesco BankFrozen

Best Marketing Campaign of the Year – Credit Cards

(l-r)FromTesco,BankBenNorthcott,DonaldMacLeod,JonLake,DonnaMurray, Gillian Robson, Richard Cooper VP International Marketing Strategy FIS, ShonaSmith,DaveTickle,LauraFenton,PatriciaScott,AlexanderArmstrong,Host

JUDGES’VIEW“greatuseofanalyticsandaveryintelligentmulti-channelcampaignwithincrementalacquisitionfromanalreadyhighlypenetratedcustomerbaseatanextremelylowcostofacquisition.”

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// Spring 2013 45



SPONSORED BY

//In February 2012 Barclays launched their Personalised Debit Card

Programme(BPC)whichenablescustomers to customise their Visa debit cardwithanimageoftheirchoice.

ThefullyintegratedmarketingcampaignforBPCaimedtotellbothexistingandpotentialcustomersabouttheserviceanddrivetheuptakeofBPC.ItalsoreinforcedhowBarclayshelpscustomerstoshapetheir banking to suit their needs.

InsightshowedthatcustomerswithBPCswouldtransactmorefrequentlydrivingbothcustomerengagementandalsoallowingBarclayscardstogain

marketsharefromcash.Researchindicat-edthatalthoughvaluedbyallagegroups,resonancewasgreatestamongstunder35s. So the channels chosen held the greatest appeal to these customers. Use ofsocialmediaincludedFacebookcompe-titionandotheractivity,Flickr,Yahoowithinnovativeandinteractivecontents.

HighlevelsofawarenessweredrivenwithabovethelineadvertisingincludingTVandPressadvertisingandLondonUnderground digital escalator panels. The campaignwassupportedwithdirectmailandbranchbasedactivity.Thecreativemessagewas“CarryaSmilewithYou”andasafirstforBarclaysstarredemployees

intheadverts.Thisfeatureundoubtedlyassistedindrivingcolleagueappealwhichinturndrovewidercolleagueengagement.Campaignresultswereverystrongandhad increased applications by 211% whencomparedwiththepre-campaignactivity.SocialMediafeedbackhasbeenstrongandhasprovidedBarclayswithanexcellentandwidenedbasetocommunicatewithcustomers.

Barclays BankBarclays Personalised Debit Card

FINALISTS

WINNER

Barclaycard - PayBandBarclaycardWirelessFestival2012BarclaycardPayTagBarclays BankBarclays Personalised Debit CardSkrill (Moneybookers) &Wirecard Card Solutions“ScorewithSkrill”Euro2012campaign

Best Marketing Campaign of the Year – Other Payments Products

(l-r)RaviKumar,DaveReynolds,MurtuzaMehvee,RichardCooper,VPInternationalMarketingStrategy,FIS,JamesBlackwell,AmyWilliams,VickieHarris,EmmaPattenandAlexMarshallfromBarclays,AlexanderArmstrong,Host

JUDGES’VIEW“emotiveabovethelineadvertising…..greatuseofsocialmedia and other digital channels and strongstaffinvolvement.”

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SPONSORED BY

//ThejudgeshaverewardedNationwideforitsProactivePaths

ProgrammeofResponsibleLending.ThesixpathwaysareClarity,Capability,Transparency, Control, Fairness and Forbearance.

The detailed entry demonstrated the comprehensivelengthsNationwidegoestoinordertoensureitsreputationforresponsible lending.

Buildingonthe2011“InBalance”campaign, the results continue to be justasstrikingwithcardholderconfidenceimprovedandaccount

volumes,balancesandtransactionsatrecordhighs,witharrearsfallingandprofits20%overplan.

Nationwidechampionsclaritythroughclearcommunicationofitsproducts.TheBuildingSocietyfostersCapabilitybywayofitsfinancialeducationprogrammes.Transparencyispromotedwithsoftquoteswithoutanycreditreferenceagencyfootprint.

Control has been championed by improvementstointernetbankingtomake account management easier and consentisalsorequiredbeforelimitsare

increased.Fairnessisexemplifiedwiththescrappingofthe£12returnedpaymentfeesavingcustomersnearly£500kandby encouraging minimum payers to pay more.Forbearanceisfosteredwithdebtadviceforcardholdersandpost-arrearsrepayment plans.

Nationwide Building SocietyProactivePaths

FINALISTS

WINNER

CompuCredit UK & Raphaels Bank The Rise Visa Credit CardMBNACustomer Assistance Accreditation ProgrammeNationwide Building SocietyProactivePathsSAV CreditAquaCard


Most Responsible Credit Lending Practices

(l-r)MarcO’Brien,ManagingDirectorforUK,VisaEuropeJohnBrennan,SeniorManagerforBankingRegulation,NationwideBuildingSociety,AlexanderArmstrong, Host

JUDGES’VIEW“Nationwidejustdothiskindofthingsowell…..itisintheirmake-up.”

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SPONSORED BY

//Inmid2012AmericanExpresslaunchedauniquepartnership

withfoursquareenablingcardmemberstounlocklocation-basedoffersfromhighstreet brands and then redeem them effortlesslywithouttheneedtopresentanyvoicecodesorevenshowtheirmobiledevice.SavingsareautomaticallycreditedtotheCardmembersAmericanExpressaccountwithin3–5daysensuringacompletelyfrictionlesstransactionforbothbuyers and sellers.

WiththisinnovativedevelopmentAmericanExpresshasturnedthefoursquarecheck-ins into commerce by connecting

merchantstocardholdersanddeliveringrealvaluetoboth.MerchantpartnersbenefitbyreachingmorecustomersfromAmericanExpress’stypicallyhighspendingcustomer base but also easily and effectivelymeasurethesuccessoftheirlocationbasedmarketingeffortsduetotheefficiencyofAmericanExpressinformationsystems.

AmericanExpressleveragessocialmediaspacetoengagewithcardmemberssothattheyareabletorealisethefullvalueofsyncingtheirAmericanExpressaccountwithfoursquare.Injust3monthscardmemberswereabletorealise£150,000

ofsavingswitha91%redemptionrateshowingtherelevanceofcontentdelivered.

ThedevelopmentispartofAmericanExpress’sstrategytodigitisecoreassetsand securely connect its cardmembers and merchant partners through social technologydeliveringaddedvaluetoboth.

American ExpressAmericanExpress+foursquarePartnership

FINALISTS

WINNER

AcceptacardPayatraderAmerican ExpressAmericanExpress+foursquarePartnershipCashFlowsCashFlowsAccountElavon Merchant ServicesEnablingBusiness–CardProcessingforaNewMarketSegmentMoneycorp & Clydesdale BankExplorerPrepaidCardO2 Money Telefonica UK &IDT Financial ServicesO2 Wallet

Best Industry Innovation of the Year

(l-r)LindaLarson-Davis,VicePresident,ClientDevelopment,FirstDataRafaelMarquez,VicePresident-Acquisition&CustomerMarketing,AmericanExpress,AlexanderArmstrong,Host

JUDGES’VIEW“thisisinnovationanditisveryNOW!Meetstheneedsofbothissuingandacquiringsideofthebusiness.”

+

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SPONSORED BY

//Buildingonthesuccessoftestinitiativeswhichwererewarded

atlastyear’sAwards,TheCo-operativeBankextendeditscrosssellingactivitytodeliveritsfirsttrulyintegratedcrossgroupactivitythatusedaboveandbelowthelinemarketingactivity.Co-operativeBankingcreditanddebitcardswerethemechanismtodeliverincrementalsaleswiththeaddedbenefitofincreasingcardtransactionsandreducing dormancy.

Consciousnottoover-contactthecustomerbasedirectly,anabovethelinecampaignwasconsideredagoodfirststep

forthecrosssalesprogramme.Inlate2011,theCo-operativeGroupranaShopandWincampaignforitscardholderswhowereincentivisedtospendacrossthefamilyofCo-operativebusinesses.

Cardholderswereofferedthechancetowinexcellentprizes.RunthroughoutthefamilyofCo-operativebusinessesthecampaign included promotion on Facebook andTwitter;promotionwithinFoodstoresbyin-storeradio,postersandtillscreens;posterandwebsitepromotionfortheTravelbusinessandtillscreenadvertisinginPharmacies.Resultswerecompelling

withlike-for-likesalesup8%overthepreviousyear.Cardsalesforfoodwere10%up.Thenumberofdormantaccountsdecreased by 3,000 during the period and therewerealsostrongincreasesincardbalances and interchange and interest income. d”

The Co-operative BankShop and Win

FINALISTS

WINNER

American ExpressIdentityDefencePlatinumBarclaycardBalanceTransfersThe Co-operative BankShop and Win

Best Card Cross-Selling Programme of the Year

(l-r)NeilSpanswick,GroupExecutiveManager,Sales&MarketingCitymain,partofSPBGroup.JohnPawsey,ValueManager,DavidLawton,CreditCardProductConsultantTheCo-operativeBank,AlexanderArmstrong,Host

JUDGES’VIEW“thisprogrammeshowedthatstrongtestresultscanbesuccessfullyreplicatedacrossagroupifproperlyimplemented”

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SPONSORED BY

//Launched in February 2012, Barclay’speer-to-peermobile

paymentservicehasbeenwarmlyreceivedby users and critics alike and in a strong categorywonplauditsfromthejudges.TheBarclaysPingitmobileappallowsanyonewithaUKbankaccountandasmartphonetosendandreceivecashusingtheirmobilephone.

ContinuingBarclaystraditionforinnovation,Pingitispartoftheirstrategicvisiontocontinuetoadaptnewtechnologyandextendtheirreach.Thecontextforthe

developmentofPingitwastheforecastincrease in global mobile payments coupledwiththefactintheUKtherewasnotadiscreetbankaccounttobankaccountserviceforPersontoPersontransactions.By2015BarclaysexpecteveryoneintheUKwillhaveasmartphone.

PingitcustomersdownloadtheappfreeandcaninstantlymaketransferstoanyonewithaUKbasedmobilephoneandacurrentaccountwithanyUKbank.Since launch Barclays has continued to innovatePingit:increasingpaymentlimit

from£300to£750,registeringmultiplephones, sending payment reminders and facilitatingcharitypayments.

At entry, 1.15 million apps had been downloadedandontheAppleappstorePingit had more than 6000 customers ratingit4.5starsoutof5.

Barclays BankPingit

FINALISTS

WINNER

Acceptacard PayatraderBarclaycard PayTagBarclays Bank PingitElavon Merchant Services Secure Mobile Card Processing, Anytime,AnywhereLloydsTSB and Samsung - Visa, Lloyds TSB and SamsungOlympicMobilePaymentsShowcaseO2 Money Telefonica UK & IDT Financial ServicesMoneyMessagefromO2

(l-r)SeanGilchrist,DirectorofDigitalBanking,Barclays,DonaldMacDonald,ManagingDirector,Giesecke&Devrient,DerekWhite,ChiefCustomerExperienceOfficer,Barclays,AlexanderArmstrongHost

Best Initiative in Mobile Payments

JUDGES’VIEW“Inaverycompetitivecategorythejudgesfoundtherapidandsmoothexecutionofthisproductextremelycompelling.”

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SPONSORED BY

//ThroughitspartnershipwithVisa,LloydsTSBCardnetwasasked

toprovideapaymentsinfrastructurethatwoulddeliverafirstclasscardacceptanceforLondon2012.

Lloyds TSB Cardnet needed to design, buildandsupportaplatformthatwoulddeliveronpaymentacceptanceandalsoshowcaseContactlesstechnologyandNFCcapabilities,inclusiveofhighvaluepayments.

ItneededtoworkwithLloydsCardissuing,SamsungandVisatodeliverthebiggestshowcaseofNFCatanysportingevent.

Theprojectstatisticsareeyewatering:LloydsTSBCardnetsignedup87%ofmerchantsinvolved;theyaccredited7merchant integrated POS solutions and theyfullydeployed3100bespokecardacceptanceterminals;theysuccessfullyprocessed£450mofticketsales;theydesigned, built and deployed procedures thatensuredanyfaultydevicewasfixedorreplacedwithin15minutes;theyrecruitedtrained,uniformedanddeployedateamof300volunteerstodealwithterminaldeliveryandPOSandorganisedtrainingforover14,000merchantstaff.CardacceptanceattheGameswasdeemedagreatsuccessandformerchantsin

theFoodandBeveragesectorwhichtraditionallyseeveryhighproportionsofcashtheexperiencewasgamechanging.

AnothersignificantmeasureofsuccesswasContactlesstakeupwithContactlessrepresenting10%overalland20%oftransactionsunder£20.

LloydsTSB CardnetLondon 2012 Games

FINALISTS

WINNER

AIB Merchant ServicesTransactionAgeCashFlowsCashFlowsAccountChase Paymentech Europe LtdPaymentsExpertiseThatPowersGrowthLloydsTSB Cardnet London 2012 GamesWorldPay Streamline broadens core proposition in timeforLondon2012


Best Merchant Acquiring Initiative

(l-r)AstonSinfield,ManagingDirector,SynergySelection,RogerJohnson,BernieHollywood,CatrenaMcgivern,alldedicatedprojectteammembersforLloydsTSBCardnetLondon2012Games,AndrewEngland,ManagingDirector,TransactionBanking,LloydsBankingGroup,AlexanderArmstrong,Host

JUDGES’VIEW“facedwithanimmenselogistical challenge, LloydsTSB Cardnet deliveredonspecificationandontime”

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//In 2012 M&S Bank launched a compelling debit card programme

withitsnewM&SPremiumCurrentAccount.Theculminationofthreeyearsofcustomerinsight,thejudgesconcurredthatM&SBankhavelaunchedadebitcardprogramme“DesignedbyCustomersforCustomers”.AbankingrelationshipwithitscustomersoffersM&Sopportunitiesforcross sales and other opportunities.

The rich product proposition is a packaged currentaccountpricedatamonthlyfeeof£15permonthwithouttravelinsuranceor£20permonthwithinsurance.The

programmeleveragesthefeatureswhichM&Scustomerssought:rewards,firstclassserviceandaccesstoM&Streatsanddelights,allfromatrustedbrand.

The programme includes a stylish Conran designed Debit Card, Contactless Payments, M&S loyalty points on debit card purchasesinM&S,£40ofM&Svouchersper annum to spend in clothing and home, complimentaryM&SCafédrinksvouchers,automatic£500overdraft,treatsanddelightsissuedevery10weeks,invitationstostoreeventsandoptionalbestinclassannualworldwidefamilyinsurance.

TheearlyindicationsforM&SBankwereextremelystrongwithtargetsbeingexceededforthepre-registrationcampaign. The launch campaign in September2012leveragedtheM&SStorenetworktopromoteandrecruitcustomerstothePremiumcurrentaccountfocusingonthosestoreswithhighestfootfall.

M&S BankM&SDebitCardwithRewards-

DesignedbyCustomersforCustomers

FINALISTS

WINNER

Bank of IrelandBankofIrelandDebitCardBarclays BankPersonalised Debit Card ProgrammeDuncan LawrieDuncanLawrieVisaSimplyoneM&S BankM&SDebitCardwithRewards-

DesignedbyCustomersforCustomers

(l-r)UnaDillon,HeadofCardServicesandCommunications,IrishPaymentsServicesOrganisation(IPSO)AndrewHendrie,HeadofMarketingCommunications,M&SBank,AlexanderArmstrong,Host

Best New Debit Card Programme of the Year


//Asda,throughitsnewfinancialservicesbrand,AsdaMoney,

partneredwithLaSerUKtolaunchanewproduct: the Asda Money Credit Card. The product is a simple no-gimmicks card that givesagenerousreward,designedtodeliver‘truesavingeveryday’.ThecardproductwasdesignedtoreflectAsda’sbrandvaluesofQuality,Value,PriceandTrust.

Thegenerouscashbackpropositionof1%onAsdaspendand0.5%oneverythingelseissimpleandstraightforwardwithoutcaveatsto the cashback or spending. This directly addressedinsightsidentifiedinresearch–ahighproportionofAsdacustomersheldtheviewthattheyneedtospendalottoget

rewardsandrewardschemesdon’ttranslateintosavings.Additionalproductfeaturesincludefreehomeshoppingdeliveryonspendover£125,nocashadvancefeeonAsdaTravelMoneyandaPriceGuaranteetobe10%cheaperthanTesco,Sainsbury’sandMorrison’s.

AsdaandLaSerUKworkedtogethertomovefromconcepttoproductlaunchwithin6months.Theproductwaslaunchedwithafullyintegratedmarketingcampaignincluding national ad campaign and the launchwasunderpinnedbyprovidingallAsdacolleagueswithadditional1%cashbackonAsdaspendforthefirstthree months.

TheAsdaMoneyCreditCardhasdeliveredexceptionalresultssincelaunchandhasshownthatthesimplebutcompellingproductresonateswithcustomers.Thishasresulted in increased brand loyalty and engagement.

ForLaSerithasbenefitedfromthedeliveryofaproductthatstandsoutinthemarketplaceaswellascommercialbenefitsthroughexceedingacquisitionand spending targets.

Asda & LaSer UK Asda Money Credit Card

FINALISTS

WINNER


Costco & American ExpressThe Costco True Earnings American

ExpressCreditCardInterContinental Hotels Group &

BarclaycardPriorityClubRewardsBlackVisa,

PoweredbyBarclaycardM&S Bank

M&S Credit CardNew Look & Ikano Financial Services

NewLookCardProgrammeVirgin Atlantic Airways & MBNA

The Virgin Atlantic Credit Card Account

Costco & American ExpressThe Costco True Earnings

AmericanExpressCreditCard

HIGHLY COMMENDED

Best Affinity or Co-Branded Card Programme

(l-r)KevinMountford,HeadofBankingMoneysupermarket.comandmemberofthejudgingpanel.StephenHunt,ChiefExecutive,LaSerUKKirstyWard,HeadofFinancialServices,Asda,AlexanderArmstrong,Host

JUDGES’VIEW“asalateentrantinthesupermarket credit card market Asda benefitedfromrivals’experiencestoproduceoutstandingresults.”

JUDGES’VIEW“theM&Sdebitcardprogrammehasbeenexcellentlythoughtthroughandimplemented.”

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//LaunchedinJanuary2012theNationwideSelectCardcarried

theconfidentpromise‘ourbestevercreditcard’.

The product aimed to meet the corpo-rateobjectiveofrewardingcustomerswithamaincurrentaccountrelationshipandthefinancialobjectivesofincreasingactivations,usage,spendandultimatelyborrowing.

ThejudgesfoundSelecttobeacompellingallroundpropositionwitharichrangeoffeatures;acombined0%purchase

andbalancetransferintroductoryoffer,cashback,unlimitedcommission-freeoverseasusageandaccesstotheSimplyRewardsbenefitsprogramme.

Acomprehensivelaunchcampaignusingcleartransparentcommunicationswasfocusedoncommunicatingwiththeexistingcustomerbase.AtthetimeoflaunchtheofferwasmarketleadingandwaspositionedatthetopofthelistingsinfourMoneySupermarket.comcategories;Purchases,BalanceTransfer&Purchases,OverseasSpendingandExclusiveDeals.

SincelaunchSelectvolumeshavesignificantlyexceededplanwithamaterialincreaseintheuptakeofcreditcardsamongst current account holders.

Allthekeymetricsassociatedwithcreditcardusagehavebeenveryfavourableandgenerallevelsofcustomersatisfactionlevelsacrossallservicechannelshaveincreased too since the launch.

Quoteswhichaccompaniedthelaunchwere‘agreatallroundpackage’and‘acrackingdealwhichmayleadotherstofollowsuit.’s

Nationwide Building SocietySelect:OurBestEverCreditCard

FINALISTS

WINNER

Amazon & MBNAAmazonRetailFinanceCardwithApply&BuyAsda & LaSer UK Asda Money Credit CardBarclaycard Global Business Solutions Barclaycard Business CashbackMarriott & LaSer UKMarriottRewardsCreditCardMBNAMBNARateForLifeNationwide Building SocietySelect:OurBestEverCreditCard


HIGHLY COMMENDED

Best New Credit Card Product of the Year

(l-r)BobEvans,ManagingDirector,TSYSEurope,PaulCarvell,HeadofCreditCards,NationwideBuildingSociety,GarethDavies,SeniorManagerCreditCards,NationwideBuildingSociety,AlexanderArmstrong,Host


SPONSORED BY

//Withincreasingacceptanceofelectronic payments and the

needtocontrolrisingyouthdebt,inJuly2012theVISAPrepaidCitizenCardwaslaunchedandisEurope’sfirstcombinedphotoIDproofofageandreloadableVisaprepaid card.

Managed by White Eagle, the card is based on the original CitizenCard established as theUK’smostwidelyrecognisedIDcardbearingthe“GovernmentApproved”PASS mark. Using MCC coding in the magnetic strip the card can deny

access to certain age inappropriate goods andservices.Thecoretargetmarketsforthiscardarebrokendownintothefollow-ingagebands12+,16+,18+and21+withaseparatedesignforeachgroup.

Itcombinesallthefunctionalityandbenefitsofaprepaidcardtogetherwiththeattributesofaproofofageidentitycard.ThecardcanbeboughtforaoneofffeeandiseasilyreloadableviaPayPointandPostOfficebranches.ThecardprovidesuserswithSMSandonlineaccountmanagement.

There has been substantial early adoption oftheVisaPrepaidCitizenCardsincelaunchwithstronggrowthplansfor2013.The Visa Prepaid CitizenCard combines thebenefitsofaprepaidcardwithageverificationandisanexcellentvehicletointroduceyouthtofinancialmanagement.

CitizenCard & ValitorVisa Prepaid CitizenCard

FINALISTS

WINNER

CashFlowsCashFlowsBiometricPrepaidCard

CitizenCard & ValitorVisa Prepaid CitizenCard

CorporatePayCorporatePay Virtual Solution

Moneycorp & Clydesdale BankExplorerPrepaidCard

O2MoneyTelefonicaUK&IDTFinancialServices

O2 Money Account Visa Prepaid CardRamsdens & Wirecard Card Solutions

RamsdensTravelCards–AnInstantHit!

Best New Prepaid Card Product of the Year

(l-r)NickBaines,SeniorDirector,ClientRelationsTSYS,AndrewChevis,CEO,CitizenCard Philippe Hardy, Sales Director, White Eagle (Europe) PlcAlexanderArmstrong,Host

JUDGES’VIEW“thecombinationofapaymentmethodwithageverificationisacompellingformulainitstargetmarket.”

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//Werememberthewarmglowthat bathed the nation in 2012

withthesuccessoftheOlympics.Forthisyear’srecipientofIndustryPersonalityoftheYeartheOlympicGamesareverycloseto his heart.

VisahasbeeninvolvedintheOlympicGames since 1986 and at that time the winnerofthisyear’sIndustryPersonalityoftheYearwasworkingatMidlandBank(nowofcoursepartofHSBC).

HesubsequentlyjoinedVisaEuropein1990andasheadofVisaEurope’sSponsorshipteam,thisyear’swinner,ColinGrannell,hasbeeninvolvedwith11summerandwinterOlympicGames

culminatingwithLondon2012.ThescaleofthesponsorshipprojectforLondon2012wasimmenseandColinandhisteamdeliveredwithaplomb.

WithinVisa,thebriefwastoshowcasetheirvisionforTheFutureofPayments.Aspartofthis,ColinandhisteamputaveryextensiveVisainfrastructureinplace.

ColinplayedaverysignificantroleinthedeliveryofVisa’ssponsorshipandthatroleultimatelyhadaverypositiveimpactonthewiderOlympicGamesandbeyond;bothintermsofalastinglegacyforBritishSportandasignificantand sustained boost to the UK economy.

Hewaspartofthesupportteamthatpublished:RaisingtheBar–areviewofUKSport administration and sat on the British OlympicAssociationAdvisoryBoard.

HispreviousrolesincludeHeadofConsumer Products and Managing Director Visa UK.

Colin GrannellWINNER

SPONSORED BY

(l-r)JoseCarvalho,VicePresident&HeadofUK,AmericanExpressGlobalNetworkServices,ColinGrannell,AlexanderArmstrong,Host

Industry Personality of the Year

KenHowes

JUDGES’VIEWThejudgesunanimouslyvotedColinGrannellIndustryPersonalityoftheYear.

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KarenCoe,KevinWarren,SarahCole,DanielBlondell,KarenDeaconandRobinChismonfromGemalto.

JeremyStevens(IntelligentEnvironments),DanClappison(TSYS),DaleEastham(IntelligentEnvironments),SteveThompson(FIS),JerryMulle(IntelligentEnvironments),LizFretwell(IntelligentEnvironments),MikePalmer(HRG),ColinSullivan(IntelligentEnvironments)andNigelBrooking(IntelligentEnvironments).

GaryIrvine(FirstData),LindaLarsonDavis(FirstData),Stuart Hill (First Data), Sallie Ferguson (Barclaycard) and Keith Woolmer (First Data).

BenNorthcott,DonaldMacLeod,TrishaScott,JonLakeandDaveTicklefromTescoBank.

PaulStoddart,JuliaWhittaker,ChrisDunne,AnnaLewisandKeithFilesfromVocaLink.

Party pictures 2013


Once again a sell-out, The Card & Payments Awards 2013 provided a fantastic opportunity to network. With nearly 1,500 of the top decision makers in the industry in one room it was a mingler’s dream. So how many faces do you recognise?

For more great photos, visit The Card & Payments Awards website at www.cardandpaymentsawards.com.

(There is a link on the website to purchase images from Simply Photography.)

MartinSmith,IanWebb,RobStarsmore,VeritySpencer,LucyUnderwood,JohnCurtis,NeilWheeler,KarenLambertandClarePhillipsfromGlobalPayments.

MikeGowar,JonWhiteandJonathanValentinefromVisaEurope’sMobileAlliancesteam.

TonyKerr(GlobalProcessingServices(GPS)),SunainaChablani(IDTFinancialServices),NeilWeeks(IDTFinancialServices)andStephenGrice(MasterCardWorldwide).

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Daniel Apperley-Roberts (MBNA), Emma Sutton (MBNA), David Gradwell (VocaLink) and Jamie Copley (MBNA).

Phil Clarkson (Prism Logistical Services), Linda Cook, Gerry Cook and Aylin Thomson (all from Acceptacard).

Lone Le Roux, Becky Stevens, Brian Cole, Amy Peters and Rachael Cornfield from Capital One.

Bobby Chhokar, Verena Olivier, Adrian Peers and Ian Reid from Barclaycard.

Kevin Kelson (FIS), Julie White (Grass Roots Group) and Clive Taylor (FIS).

Clockwisefrom12o’clock:JazzSandhu(AsdaMoney),AllisonJohnston(Asda),HelenWilliamson(AsdaMoney),KevinMoore(Asda Money), Neil Applebee (Asda), Leanne McKenna (Asda Money), Katie Walley (Asda Money), Kirsty Ward (Asda Money), RebeccaMayo(Lansons)andJoanneDonoghue(AsdaMoney).

Clockwisefrom12o’clock:RafalTrepka(MasterCard),LuisVianna(WhiteConcierge),KateCowell(MasterCard),PJBanwait(Barclaycard), Pam Kallay (MasterCard), Catherine Grace (WhiteConcierge), Attallah Sinclair (MasterCard), Phil Perry (WhiteConcierge),TrishGilbert(MasterCard)andJenniferPalmer(MasterCard).

Clockwisefrom12o’clock:HeatherGray(WirecardCardSolutions),DarrenVeevers(TuxedoMoneySolutions),KatyLawrie(WirecardCardSolutions),IanStrafford-Taylor(FairFX),TomJennings(WirecardCardSolutions),JuliaTreike(Skrill),BarbaraThumann(WirecardBank),TonyKerr(Flex-e-vouchers),JoanneParker(WirecardCardSolutions)andJonathanReynolds(CorporatePay).

Clockwisefrom12o’clock:SteveWilliams,MarkDenham,BenMercer,LeahMatthews,JaneSinsbury,StuartFavier,MichelleNeary,JohnBlundell,StuartFavier(allfromSterlingInsuranceGroup),DeniseDulson(MBNA)andGrahamRivers-Moore(SterlingInsurance Group).

Clockwisefrom12o’clock:MarcO’Brien(VisaEurope),GrahamPilkington,(Nationwide),VincentReboul(HSBC),OmarRifaat(VisaEurope),AshokVaswani(BarclaysBankplc),MaryCarolHarris(VisaEurope),JamesLeBrocq(O2Telefonica),ShaneFitzpatrick(ChasePaymentech),TonySurridgeandNickOgden(CashFlows).

Clockwisefrom12o’clock:TonyQuirke(VincentoPaymentSolutions), Vicky Lloyd (Locke Lord), Diane Brocklebank (Prepaid InternationalForum),DavidMonty(TuxedoMoneySoultions),RickBrown(CorporatePay),SiobhanMoore(LockeLord),RichardKnight(PrepaidServicesCompany),JaneBarham(DeutscheBank),KevinHeath (Locke Lord) and Alistair Graham (Payza.com).


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JonathanWilson(SecureTrustBank),MikeSmith(RaphaelsBank),DarrenDeal(MasterCard)andMatthewFroggatt(SecureTrustBank).

DavidAblett(TheCo-operativeBank),GethinJames(AmnestyInternational),KeithJames(TheCo-operativeBank),JohnPawsey(TheCo-operativeBank)andJamesWinkworth(Amnesty International).

AndyNewman,OliverCurrell,NatalieMorrisandDavidAddison(fromAvios).

AlexVines(PrePaySolutions),KevinHarrington(GlobalPrepaidExchange),PaulGrou(PrePaySolutions)andStevePhillips(PrePaySolutions).

ShonaSmith,DonnaMurray,LauraFentonandGillianRobson(fromTesco Bank).

MikeShrimpton,RossHunt,PeterBlakeandYohannMarnet(fromGlobal Blue).

The Card & Payments Awards 2013 The Card & Payments Awards 2013

Book your tables now for The Loyalty Awards Tuesday June 11 2013 at Grosvenor House Hotel, Park Lane, London

Celebrating innovative loyalty

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Information not overload - Card and Payments Awards...Prime Sponsor Message As Prime Sponsor TSYS is proud to support The Card & Payments Awards for the eighth consecutive year since