-The latest on APP fraud liability: what will be required of banks and PSPs in the EU versus the UK? -Understanding the potential impact of the reimbursement model: how should banks adapt to the new costs? -How can banks effectively map strategies for APP prevention and minimise the cost of compliance? -What role can behavioural, biometrics and customer profiling play in effectively tackling APP fraud? -What do we know about the hot state that scammers put customer in: and how can this be used to inform customer education and nudges? -Confirmation of Payee: how far will the mandate to verify IBAN numbers help stem the tide of APP fraud? -Social media, online marketplaces, text: through what channels do APP scams typically occur? -Tackling social media transfers: what can banks do to add additional protection on less secure channels? -How could a holistic approach across telcos, social media, and FS tackle APP fraud at its source? -Collaborating within the industry: what more can the industry do in sharing data to tackle APP fraud?

 

 

 

-Reimagining the customer payment journey: what does the future hold for seamless experiences? -The rise of alternative payment methods: how should business models adapt to a less card-dominated future? -The next phase of open banking payment commercialisation: what are the barriers still to overcome? -Competing effectively in the digital wallet space: how must organisations adapt to a new digital ecosystem? -Enhancing payment propositions: how can acquirers effectively differentiate and add value for merchants? -Reducing cost of payment: how can merchants streamline operations while maintaining excellent experiences? -The new data economy: unlocking the revenue opportunities of enriched data for banks and corporates -How will the rise of digital currencies and DLT shake up the future payments value chain?

-Increasing payment efficiency: how can AI-driven automation streamline core payment operations? -Intelligent routing and orchestration: how can AI minimise failure rates and optimise payment flows? -Leveraging AI for real-time Counter-fraud and KYC: what are the prerequisites for success? -Unlocking the value of payment data: where can AI-powered analytics make the biggest difference?

 

-E-wallets, mobile and in store: how can acquirers support merchants with multiple payment options? -How can online payments dashboards be improved to enhance the merchant experience? -Actionable business insights: how can acquirers enhance their reporting and analysis offerings? -How can a better grasp of customer behaviour help identify trends and hone sales strategies? -How can acquirers unlock new revenue streams for merchants via frictionless financing offerings?

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-Balancing conversion, customer experience, fraud risk and compliance: the key considerations -New payment methods: how should merchants strategically assess the benefits and risks? -Dealing with false declines: how can merchants build more accurate and contextual fraud tools?

-What are the limitations of existing rules-based counter fraud tools? -From real-time detection to reduced false positive rates: what are the key advantages of AI tools? -How can banks address the data maturity requirements necessary for AI accuracy? -Managing the reputational risks: how can banks ensure AI/ML tools act ethically, avoiding biases? -How can banks ensure AI/ML decision -making is transparent to build trust and facilitate human oversight?

-Assessing the benefits of cloud in modernising payments: from cost efficiencies to resilience -How should banks assess the suitability of cloud for different payment infrastructure needs? -Assessing the key outcomes: from performance and network latency to security and compliance -From real-time to ISO 20022: how can cloud-native integrations aid the adoption of new standards? -How can cloud increase agility and time to market for digital payments solutions?

-Challenging BigTech and card dominance: how are bank-led wallet initiatives stepping up to compete? -Building commercially successful wallet propositions: what lessons can be learnt from propositions globally? -How can digital wallet solutions add value at the point of payment? From BNPL to integrated loyalty schemes -Towards a digital currency future: will digital wallets lay the foundation for the next evolution of money?

 

-What are the commercial advantages for merchants of payment-linked loyalty schemes? -How can payment-linked data help merchants to gain greater insight into customer preferences? -What forms of hyper-personalisation could payment-linked schemes unlock? -How should AI and analytics best be leveraged to maximise ROI from payment-linked schemes? -Selecting the right partner for your business: what are the key considerations for merchants? -Is card-linked loyalty the key to banks monetising data and competing with alternative payments? -What role could open banking play in the next evolution of payment-linked loyalty schemes?

 

 

-Delivering a superb subscription experience: what are customers looking for in today’s market? -From pre-dunning to automatic retries: strategies for minimising failure rates, chargebacks and churn -What are the key considerations for merchants when selecting a subscription management provider? -To what extent are dynamic recurring payments or VRPs set to transform subscription payments?

-How should legacy infrastructure be modernised to keep pace with BigTech and cloud-native challengers? -How can banks build architecture that can seamlessly scale while maintaining performance and reliability? -From ISO 20022 to instant payments: building flexible architectures that can adapt to changing standards -Managing total cost of ownership: where can banks find the quick wins in modernising technology stacks? -How can banks best leverage orchestration layers to create agile micro service-based architectures? -Overcoming complexity and silos: are payment hubs key to ensuring enterprise-wide payment visibility? -Keeping the customer in mind: building APIs and open architecture interfaces that provide seamless UX -How should banks prioritise and enhance availability, resilience and security through their modernisation?

-Voice, face, fingerprint and iris: to what extent can biometrics transform authentication and KYC? -How can banks unlock the potential of biometric and behavioural indicators in counter fraud? -How can biometrics be leveraged to counter bots, Remote Access Trojans and aggregated attacks? -How can banks identify the right mix of biometric and traditional indicators for different fraud types? -Data privacy and compliance: what are the responsible limits to the use of customer data?

-Marketplaces, automated refunds and payouts: how can API-driven solutions streamline payments for businesses? -How can open API’s enhance corporate treasury management? From automating tasks to optimizing critical processes -Assessing the benefits of open payments for merchants: from reducing costs and fraud risk, to improved liquidity management -What are the advantages of VRPs over direct debits? From reduced failure rates to increased ease of subscription management -From SPAA-style data sharing to API-driven innovation: what’s next for open payments business models?

-Reducing declines through intelligent routing: what does best practice in orchestration look like? -Managing margins: how can orchestrators enable merchants to navigate global acquiring rates? -How can merchants harness orchestration to adapt to the growing diversity of payment methods? -Payment localisation: to what extent is localisation essential for successful international expansion? -How can orchestration be leveraged to enhance the ease of omnichannel commerce? -Reporting and analytics: how can orchestrators provide insights that do more for merchants? -How can orchestrators help merchants to reduce the complexity of marketplace payments? -Increasing agility: how can orchestration help to adapt payment mixes in an ever-changing market?

 

 

-Assessing the challenges: how is the rise of instant payments set to pose new difficulties for corporate treasurers? -Achieving real-time reporting: how can corporates achieve real-time cash flow visibility and accurate forecasting? -Automating treasury management: how can API and ERP integrations help treasurers keep pace with instant payments? -How can transaction banks provide solutions that address the needs of clients in an increasingly real-time landscape?

 

 

 

 

-Cost, transparency, speed, and accessibility: how far are we towards achieving the G20 roadmap goals? -From data security to API harmonisation: what are the biggest hurdles to seamless global payments today? -How far are legacy payment technology, data, and messaging standards still a barrier? -To what extent will the migration to ISO 20022 simplify cross-border payments? -What role will CBDCs and the regulated liability network play in streamlining cross-border payments?

 

-Shifting from a compliance-driven to a commercially driven open banking ecosystem: where are we on the journey? -Providing payments choice to merchants: how can open banking payments compete effectively with interchange pricing? -How can open banking providers build engaging digital user interfaces to elevate user experience and encourage uptake? -How can payment providers replicate purchase protections and dispute mechanisms in a non-card landscape? -Building a default renumeration model: to what extent does the SPAA offer a viable commercial model to all parties? -JROC and the Future Entity for open banking: where is the UK currently at in developing a sustainable commercial model? -Alternatives to current funding models: how might banks recoup the costs of payment in a future commercial model? -Exploring future revenue streams for open banking payments: towards an open data economy

-Streamlining payments: how can enriched data help improve STP and reduce processing time? -Counter fraud: how can enhanced fraud data (EFD) be leveraged in banks’ Counter-fraud strategies? -Personalised offers: how can enriched data be used to identify individual behaviours and needs? -Corporate services: what value-adding insights and microservices could enriched data unlock? -Leveraging AI: is this the key to extracting actionable and value-adding insights from enriched data?

-The EBA’s FPAD initative: will it prove a game changer in fraud prevention for European banks? -Leveraging ISO 20022’s enhanced fraud data: how can banks make the most of new structured data? -Making the most of new indicators: what new data sources can and should banks be leveraging? -Optimising fraud analytics for instant payments: how can the industry achieve real-time detection? -Advanced analytics and AI: how is AI set to transform real-time fraud detection? -Power in collaboration: how are banks breaking new ground in counter fraud information sharing? -Taking industry collaboration further: what can FS learn from best practices in other sectors?

-The global picture: which central banks are spearheading the development of CBDCs and what can be learnt? -European payments sovereignty: how much will the digital euro reduce reliance on card schemes and BigTech? -The threat to bank deposits: how can bank funding and financial stability best be safeguarded? -Promoting further private and public sector collaboration on digital currencies: what more needs to be done? -The Regulated Liability Network: to what extent will the shared ledger mitigate bank disintermediation risk? -The future of commercial bank digital money: the use cases across retail, wholesale, cross border and settlement -Covering the cost of digital currency provision: from merchant charges to cross-subsidisation -Defining your digital money strategy: what are the new service opportunities and when is the time to invest?

-How can merchants identify the best POS financing options for them: assessing the costs and benefits -The advantages of a multi-lender platform: how can choice in financing provider benefit merchants? -Lending at speed: how can credit risk be rapidly assessed using AI and open data sources? -How can financing options be tailored to purchasing behaviour, financing needs and preferences? -Bringing BNPL in store: how significant is the commercial opportunity and what are the barriers?

-The EU instant payments mandate: what will compliance require and how should banks prepare? -From batch based to instant settlement: what new demands will the mandate place on treasury teams? -Confirmation of Payee and sanctions screening: how can banks ensure they fulfil their obligations under the mandate? -How should banks equalise charges for instant and non-instant payments and what scope is there for differentiation? -Assessing the impact of year-round, 24/7 instant payments: how can banks effectively mitigate the costs? -The European Payments Initiative: do the benefits of the instant payments scheme outweigh the risks? -Improving instant payment offerings: how can banks use the mandate as an opportunity to innovate?

 

 

-The latest insights from Nobid’s large-scale pilot: where are we now and what are The lessons learned so far? -The potential for ecommerce and retail: how are digital IDs set to transform payments instore and online? -Bank strategy impacts: will offering integrated digital ID and payment solutions become a key differentiator? -Integrating digital ID and payments seamlessly: how can providers stand out amongst Competing solutions?

-From RFID to biometric payments: how are merchants reimagining instore checkout? -Optimising online payments: how can merchants achieve frictionless one-click payments? -From browsing to basket: how can merchants reduce friction in the pre-payment journey? -How can payments be streamlined by retaining customer data and pre-populating forms? -Achieving frictionless mobile payments: how should merchants optimise checkout for mobile? -How far can conversion be enhanced by providing preferred payment methods? -Reimagining the payment journey: what does the future hold for seamless experiences?