PLANNED MEETING TOPICS

Smartex Forum meetings, whilst planned in advance in terms of overall themes, are designed to cover important topics of the moment, whether technical or operational. 

A number of subject areas have already been identified as being relevant for consideration and debate during 2019.  These are set out below, within each of our Forums.  They are naturally subject to change, depending upon the status of the various market sectors at the time of the meetings.

MIDF (MOBILE & IDENTITY FORUM)

This Forum meets quarterly.  Meeting subjects are selected by its Steering Group.  Amongst the topics and activities that we are likely to be addressing are:

  • Innovation
    • New innovations in consumer payments
    • Is Banking as a Service going to be important, and how?
    • Is Blockchain the answer for smart payments?
    • What is Pay by Bank and how does it work?
    • Card personalisation and issuance in a mobile world
  • Regulation, the law and card schemes
    • Data protection and the various e-money regulations, and the likely impact of PSD3
    • The impact of GDPR
    • What will Brexit do for the UK payments industry?
    • AI is becoming an essential bank tool.  How will it be introduced and under what standards?
  • Competition
    • New stakeholders in the payments game: Amazon and other strategies
    • Alternative and disruptive payments
    • The impact of challenger banks and the future of the schemes
    • The future of Visa and Mastercard – will WeChat Pay, Chine Union Pay and  and AliPay usurp them?
  • Collateral sector impacts e.g. transport, e-commerce
    • The role of loyalty schemes
    • The effects of cEMV and its use for everyday applications such as public transport
    • Developments in Central & Local Government banking and payments
  • Where are we heading?
    • Technology and security trends
      • The impact of mPoS
      • Tokenisation
      • Biometrics are coming to payments: how and when?  The impact of this on the PoS
      • Security, authentication and fraud: new types of hacks and new anti-hacking solutions
      • Payment acceptance terminals: types and future
      • How will developments in quantum cryptography impact the payments industry?
    • Social trends
      • The coming invisibility of payments
      • Mobile wallets: ubiquity, universality or fragmented competition?
  • The economics of payments
    • A merchant’s view of the payment industry economic model
    • The effect of regulatory changes on the cost of payments
    • What business models will dominate in the future? Can big data mining fully subsidies the cost of providing a payment service?
    • Can payments adopt a freemium model?

SPF (SMART PAYMENTS FORUM)

This Forum meets quarterly.  Meeting subjects are selected by its Steering Group.  Amongst the topics and activities that we are likely to be addressing are:

  • Data protection and the various e-money regulations, and the likely impact of PSD3
    • The impact of mPoS
    • The coming invisibility of payments
    • The role of loyalty schemes
    • The impact of GDPR
  • New innovations in consumer payments
    • Tokenisation
    • Alternative and disruptive payments
  • Biometrics are coming to payments: how and when?  The impact of this on the PoS
  • The impact of challenger banks and the future of the schemes
  • E-payments
    • The effects of cEMV and its use for everyday applications such as public transport
    • Mobile wallets: ubiquity, universality or fragmented competition?
  • New stakeholders in the payments game: Amazon and other strategies
  • Is Blockchain the answer for smart payments?
  • AI is becoming an essential bank tool.  How will it be introduced and under what standards?
  • What is Pay by Bank and how does it work?
  • Is Banking as a Service going to be important, and how?
  • Developments in Central & Local Government banking and payments
  • Card personalisation and issuance in a mobile world
  • Security, authentication and fraud: new types of hacks and new anti-hacking solutions
  • Payment acceptance terminals: types and future

TCF (TRANSPORT CARD FORUM)

This Forum meets quarterly.  Meeting subjects are selected by the TCF Steering Group.  Amongst the topics and activities that we are likely to be addressing are:

  • Updates from the DfT and the devolved administrations for current and proposed smart ticketing and payment strategies
  • Establishment of TCF Working Groups for analysis and recommendations on topical issues
  • The continuing development of mobiles for transport applications such as journey planning, ticketing, boarding cards, payment and many other useful applications for travellers
  • The deployment of MaaS and its impact
  • Biometric techniques for public transport applications
  • Account-based ticketing (ABT) and its impact
  • Will the future bring a national account-based central system for transport payments?
  • Monitoring of initiatives and plans for commercial smart ticketing and payment
  • Developing effective Real-Time-Information systems
  • Smart and mobile ticketing and payment on National Rail
  • Exposing relevant technical issues and proposed solutions, for example for bus exit reading & ungated train stations
  • Using tokenisation technology to improve security
  • Pay-As-You-Go in urban areas – multi modal, multi operator, capping
  • Will tickets disappear?
  • Updates on the progress of the ITSO specifications, and of ITSO for Mobiles
  • cEMV contactless card technology and its evolving role in UK public transport
  • Do UK transport operators really want interoperability?
  • The how, where, when, why and what of TfN, and its interaction with other regional schemes
  • Improving the whole-journey experience with smart technology
  • Assessment of winners and losers in the transport contactless payment arena
  • Are beacons or BLE going to happen in transport?
  • QR code deployment is growing, especially in Rail – what is their future role?
  • Case studies from UK LA-controlled and commercial smart transport scheme operators
  • Case studies from overseas smart transport initiatives
  • What do different groups of passengers want?
  • Inclusion of “adjacent modes”: parking, taxi, bike hire, Demand Responsive Transport
  • The impact of good deployment and staff training
  • Commercial exploitation of transport data
  • The ongoing impact of changes in legislation and regulation
  • Ridership trends and strategies/tactics to address
  • The fate of small operators
  • Relevant global macro trends in transport
  • Impact of “disruptive players”: Google, Amazon, Apple…
  • TCF19: Bristol is the location for our annual two-day regional conference & exhibition

HESCA (HIGHER EDUCATION SMART CAMPUS ASSOCIATION)

This Forum meets quarterly.  Amongst the topics and activities that we shall be addressing are:

  • Developing an effective attendance monitoring system to support a student engagement and retention strategy
  • Smart campus schemes as part of an ID Assurance programme
  • New techniques for enrolment, card issuance processes and procedures
  • Coping with GDPR
  • Is the Cloud relevant to smart campuses and how?
  • Use of new smart technologies such as AI and IoT
  • The potential impact of smartphones on smart campus card schemes
  • The use of biometrics in HEI/FEIs: products, software, standards and choices
  • Towards the cashless campus: products and challenges: do bank cards have a role?
  • Presentations by e-payment system providers: open or closed-loop?
  • The business and financial cases and plans for introducing cashless campus routines
  • The emerging new generation of physical access control system architectures
  • Using smart campus schemes for logical and system access control
  • Supporting innovative new functions with existing smart campus schemes
  • Case studies from UK and overseas smart campus card schemes
  • Successful strategies for card migration to a higher security form factor
  • Development of statements of best practice for HEI/FEIs
  • Development and progress of the HESCA Starter Pack for integrated supplier products
  • Smart card vending in a smart campus. What are the benefits?
  • Migration of existing legacy systems to a smart environment: the challenges
  • Strategies for room utilisation systems for a smart campus
  • Smart Card online store services: what are the benefits?
  • A dedicated university app: Integration with smart card services: strategies: one app to rule them all?
  • Smart car parking in a smart campus: what are the benefits?
  • Smart card production: in-house or bureau? Pros and cons.
  • HESCA19: Bristol is the location for our annual two-day regional conference & exhibition

IoTA (INTERNET OF THINGS ASSOCIATION)

This Forum meets quarterly.  Meeting subjects are selected by the IoTA Steering Group.  Amongst the topics and activities that we are likely to be addressing are:

  • Completion of the ‘dating service’ on the website, to promote collaboration and alliances between the different service providers within the IoT spectrum
  • Introduction of the IoTA Supplier Directory and its marketing to potential users
  • Funding sources and approaches
  • Gaining and disseminating a common understanding of IoT technology, applications, data protection, privacy, standards and security
  • A support group where useful IoT and associated standards can be evaluated and endorsed
  • Providing an environment where practitioners can discuss IoT case studies
  • A networking centre where all types of stakeholders can meet, share experiences and do business together
  • An information exchange for new IoT hardware, security, software and networking architectures and products can be exposed, discussed and understood
  • Development of a clear understanding of the various communications methods and technologies that may be used for IoT
  • Later on, an online forum to enable discussion and debate to continue outside the physical meetings

SX (SMARTEX GENERAL MEETINGS)

Amongst the topics and activities that we shall be addressing are:

  • The impact and progress of the biometric revolution
  • New entrant technologies and their potential impact on the smart card market
  • Public sector and local government smart projects and plans
  • Prepaid products and projects
  • RFID tag applications and technologies
  • Emerging smart standards and other international specifications
  • Loyalty applications across retail and financial sectors
  • Case studies, including user feedback of experiences with products and services
  • Development of the financial business case and funding issues/solutions for a scheme
  • End-of-year summary of Smartex Forum progress and activities.