Navigating Change....
The PELORUS Group
Market Research and Consulting Services

Date:      June 9, 2004
Contact:  Greggory S. Blundell
Phone:    908-707-1121
Fax:        908-707-1135

STORED VALUE:  THE SHAPE OF THINGS TO COME

Raritan, NJ - Stored value initiatives are reshaping the industry’s landscape, dramatically changing the manner in which banks, financial institutions, credit and debit card issuers, carriers and platform providers approach the payments process.  On October 21^st and 22^nd, 2004, The PELORUS Group will host a major conference. Dedicated to determining the new forces by which our industry will be governed, the event will focus on how quickly stored value will spread, and what banks, issuers and other vested concerns should be doing to prepare for and capitalize on the phenomenon. 

Entitled “Stored Value: The Shape Of Things To Come”, this exclusive conference will convene at the renowned Atlantic City Hilton Resort Casino, in Atlantic City, NJ.  Leading organizations from across market segments will be joining The PELORUS Group and an unprecedented array of industry luminaries for the only dedicated stored value event that is wholly independent and unbiased.  Topics slated for discussion include:

• How can established players tap into the credit challenged and unbanked – a market that is just now starting to be exploited by innovative newcomers?

• Before low-cost real-time data communications, credit was an essential component of the payments process.  Although credit adds cost to the payments process, it has been a significant revenue generator for banks.  Now that we have the Wal-Mart settlement, will merchants provide incentives to use debit cards including store value cards?

• How much of the growth in stored value is push and how much is pull?  In other words, how will end users get their cards?  Will consumers acquire them, or will the cards be given to them by businesses and employers?

• Why have banks and other financial institutions lagged behind in the adoption of stored value initiatives?  Why may 2004 prove to be the year of the turnaround for them as more and more banks adopt payroll cards, and other stored value solutions?  What precisely is the allure of stored value for banks?

• How can banks exploit the single largest application of stored value to date – payroll cards?

• What are the ramifications of stored value to prepaid telecom vendors, retailers, the financial industry, and companies that currently serve the unbanked and credit challenged?

• What are the associated costs for credit cards vs. stored value cards for merchants and consumers? What about customer loyalty, gift cards, and convenience cards?  What is at risk, and why?

• In which consumer market segments is stored value registering its greatest penetration, and why?  How is that likely to change over the next critical 24 months?

• What are the business applications of stored value as of 2004, and how is that likely to change?  Which segments are realizing the most significant implementations?  What are the cost savings and promotional opportunities empowered by stored value?

• The stored value revolution could mean a dramatic shift in the credit/debit paradigm. What are the real-world ramifications of stored value going mainstream, and what sort of timetable will be involved?

• Prepaid telephony may ultimately prove to be one of the biggest implementators – and beneficiaries – of stored value.  What is it that carriers must do to capitalize on this trend? How can stored value improve a carrier’s ability to offer prepaid solutions?

• Success stories of stored value resonate across industry lines. What are some of the early pioneers encountering in terms of product resistance and success ratios?  

• Why have other attempts at creating stored value systems failed in the past?

• How large are the consumer and business segments, and what is the potential associated with each?

• How do companies measure up against traditional debit/credit card benchmarks?

• What are the short and long-term issues and opportunities associated with stored value?

• Stored value as a debit solution will generate new revenue streams for institutions.  The trick is getting there.  What is the best path to profits?

• Which innovations being brought to market by new players should be watched very closely by established concerns?

• How can stored value reduce customer churn, improve penetration and loyalty, and leverage the bottom-line?

• What is happening on the technology, standards, and regulatory/legal fronts?

• What does The PELORUS Group foresee happening over the next five years for the different stored value and prepaid market segments, and for both the entrenched and emerging competitors now vying for greater market share?  Market growth and drivers…issues, trends, and forecasts…all fused together into one cohesive and understandable whole with The PELORUS Group’s compelling brand of insight!
  

This is not a trade show.  It is a two-day forum devoted to sharing the vision of stored value and realizing the opportunities springing from current and future initiatives. This conference has been structured to provide the most intensive information flow possible:  Sessions committed to helping clarify and promote strategies that reflect new market dynamics and demand; sessions that seek to clearly define the benefits – and drawbacks – of stored value campaigns; compelling presentations whose goal is to elicit cogent insight into where the emerging opportunities will spring, and much, much more.

If stored value and prepaid are important to the future of your organization…if you’re looking for straight answers without the hype, reserve your seat today.  Join The PELORUS Group and a global audience for this special, unbiased event.  The cost is $1,395 per registration.  However, if you register and we receive payment prior to July 30, 2004, you can benefit from a $200 discount per delegate.  Additional discounts for multiple registrations are available.  Most major credit cards are accepted.

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