12:05 PM - 12:25 PM
Advisory session
 
 
 
Advisory session
12:40 PM - 1:00 PM
Advisory session
 
 
 
Advisory session
2:50 PM - 3:10 PM
Advisory session
 
 
 
Advisory session
2:55 PM - 3:15 PM
Advisory session
 
 
 
Advisory session
5:30 PM - 7:30 PM
After Party
 
 
 
Networking
2:55 PM - 3:15 PM
AI based automation: a revolution for financial criminals

-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?

 
 
Keynote address
11:20 AM - 11:40 AM
APP fraud: a regulatory perspective
 
 
 
Keynote address
11:40 AM - 12:20 PM
APP fraud: mapping the strategies for prevention
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?
 
 
Panel discussion
9:05 AM - 9:10 AM
Chair's opening remarks
 
 
 
Opening remarks
9:15 AM - 9:20 AM
Chair's opening remarks
 
 
 
Opening remarks
11:35 AM - 11:40 AM
Chair's opening remarks
 
 
 
Opening remarks
Chair's opening remarks
 
 
 
Opening remarks
10:00 AM - 10:40 AM
Charting the evolution of the payment ecosystem
-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?
 
 
Leaders' forum
12:05 PM - 12:45 PM
Charting the future of AI in payments
-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?
 
 
Panel discussion
9:25 AM - 9:40 AM
Collaboration to control risks in a digitizing world
 
 
 
Keynote address
12:40 PM - 1:00 PM
Counter fraud strategy in an evolving digital payments ecosystem
 
 
 
Interview
12:20 PM - 12:40 PM
Defrauding AI-powered fraudsters
 
 
 
Advisory session
3:10 PM - 3:30 PM
Enhancing payment propositions: the future of value-added services for merchants
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?
 
 
Fireside chat
2:30 PM - 2:50 PM
Ensuring digital operational resilience 
#NAME?
 
 
Interview
11:40 AM - 12:05 PM
Fraud risk versus abandonment risk: finding the right balance
-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?
 
 
Panel discussion
2:35 PM - 2:55 PM
Harnessing cloud in your payment modernisation journey
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?
 
 
Fireside chat
2:15 PM - 2:35 PM
Human and AI integration: a holistic financial crime strategy
 
 
 
Keynote address
12:05 PM - 12:45 PM
Keeping pace with the evolution of the payment wallet landscape
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?
 
 
Panel discussion
11:20 AM - 11:40 AM
Leveraging ISO 20022: enriched data in action
 
 
 
Keynote address
12:20 PM - 12:40 PM
Loyalty programmes: unlocking the potential
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?
 
 
Fireside chat
12:45 PM - 2:00 PM
Lunch
 
 
 
Networking
12:45 PM - 2:15 PM
Lunch
 
 
 
Networking
12:00 PM - 12:20 PM
Making subscriptions and recurring payments seamless: laying the foundations
-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?
 
 
Fireside chat
3:15 PM - 3:50 PM
Modernising core payment systems: transformation for the long term
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?
 
 
Panel discussion
2:35 PM - 2:55 PM
Nextgen biometrics: from authentication to advanced behavioural profiling
-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?
 
 
Fireside chat
10:05 AM - 10:50 AM
Open payments innovation: the business use cases
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?
 
 
Panel discussion
3:30 PM - 3:50 PM
Optimising orchestration: understanding the priorities
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?
 
 
Fireside chat
9:40 AM - 10:00 AM
Payment Modernization: X-border as the first bite of the elephant
 
 
 
Advisory session
2:00 PM - 2:20 PM
Project Rialto: enhancing cross border payments using wholesale CBDC
 
 
 
Keynote address
9:20 AM - 9:35 AM
PSR and PSD3: the next phase of open payments
 
 
 
Keynote address
4:20 PM - 4:50 PM
Readying corporate treasury management for instant payments
-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?
 
 
Fireside chat
10:40 AM - 11:20 AM
Refreshment Break
 
 
 
Networking
10:50 AM - 11:35 AM
Refreshment Break
 
 
 
Networking
3:50 PM - 4:20 PM
Refreshment Break
 
 
 
Networking
2:15 PM - 2:30 PM
SoftPoS: revolutionising payment acceptance
 
 
 
Keynote address
2:15 PM - 2:35 PM
Streamlining cross-border rails: cost, transparency, speed and accessibility
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?
 
 
Interview
9:35 AM - 10:05 AM
Taking open banking payments further: overcoming the barriers
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
 
 
Fireside chat
11:40 AM - 12:05 PM
Tapping the value of ISO 20022 enriched data: the commercial opportunities
Streamlining payments: how can enriched data help improve STP and reduce processing time? Cross border payments: what role will ISO 20022 play in streamlining cross border payments? 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? The challenge of interoperability of market infrastructures
 
 
Fireside chat
3:15 PM - 3:50 PM
The future of analytics and data sharing in counter fraud
-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?
 
 
Panel discussion
2:20 PM - 3:00 PM
The future of central and commercial bank digital currencies
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?
 
 
Panel discussion
11:40 AM - 12:00 PM
The future of POS innovation
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?
 
 
Interview
4:50 PM - 5:30 PM
The instant payments mandate: the implications for bank strategies
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?
 
 
Panel discussion
11:20 AM - 11:40 AM
The next evolution of embedded payments
 
 
 
Interview
11:40 AM - 12:05 PM
The transformative potential of Digital IDs in payments
-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?
 
 
Fireside chat
12:25 PM - 1:10 PM
Towards a seamless end-to-end payment journey
-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?
 
 
Panel discussion
9:10 AM - 9:25 AM
Treating the customer as a real person
 
 
 
Keynote address
12:05 PM - 12:25 PM
Advisory session
 
 
 
Advisory session
12:40 PM - 1:00 PM
Advisory session
 
 
 
Advisory session
2:50 PM - 3:10 PM
Advisory session
 
 
 
Advisory session
2:55 PM - 3:15 PM
Advisory session
 
 
 
Advisory session
5:30 PM - 7:30 PM
After Party
 
 
 
Networking
2:55 PM - 3:15 PM
AI based automation: a revolution for financial criminals

-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?

 
 
Keynote address
11:20 AM - 11:40 AM
APP fraud: a regulatory perspective
 
 
 
Keynote address
11:40 AM - 12:20 PM
APP fraud: mapping the strategies for prevention
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?
 
 
Panel discussion
9:05 AM - 9:10 AM
Chair's opening remarks
 
 
 
Opening remarks
9:15 AM - 9:20 AM
Chair's opening remarks
 
 
 
Opening remarks
11:35 AM - 11:40 AM
Chair's opening remarks
 
 
 
Opening remarks
Chair's opening remarks
 
 
 
Opening remarks
10:00 AM - 10:40 AM
Charting the evolution of the payment ecosystem
-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?
 
 
Leaders' forum
12:05 PM - 12:45 PM
Charting the future of AI in payments
-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?
 
 
Panel discussion
9:25 AM - 9:40 AM
Collaboration to control risks in a digitizing world
 
 
 
Keynote address
12:40 PM - 1:00 PM
Counter fraud strategy in an evolving digital payments ecosystem
 
 
 
Interview
12:20 PM - 12:40 PM
Defrauding AI-powered fraudsters
 
 
 
Advisory session
3:10 PM - 3:30 PM
Enhancing payment propositions: the future of value-added services for merchants
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?
 
 
Fireside chat
2:30 PM - 2:50 PM
Ensuring digital operational resilience 
#NAME?
 
 
Interview
11:40 AM - 12:05 PM
Fraud risk versus abandonment risk: finding the right balance
-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?
 
 
Panel discussion
2:35 PM - 2:55 PM
Harnessing cloud in your payment modernisation journey
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?
 
 
Fireside chat
2:15 PM - 2:35 PM
Human and AI integration: a holistic financial crime strategy
 
 
 
Keynote address
12:05 PM - 12:45 PM
Keeping pace with the evolution of the payment wallet landscape
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?
 
 
Panel discussion
11:20 AM - 11:40 AM
Leveraging ISO 20022: enriched data in action
 
 
 
Keynote address
12:20 PM - 12:40 PM
Loyalty programmes: unlocking the potential
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?
 
 
Fireside chat
12:45 PM - 2:00 PM
Lunch
 
 
 
Networking
12:45 PM - 2:15 PM
Lunch
 
 
 
Networking
12:00 PM - 12:20 PM
Making subscriptions and recurring payments seamless: laying the foundations
-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?
 
 
Fireside chat
3:15 PM - 3:50 PM
Modernising core payment systems: transformation for the long term
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?
 
 
Panel discussion
2:35 PM - 2:55 PM
Nextgen biometrics: from authentication to advanced behavioural profiling
-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?
 
 
Fireside chat
10:05 AM - 10:50 AM
Open payments innovation: the business use cases
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?
 
 
Panel discussion
3:30 PM - 3:50 PM
Optimising orchestration: understanding the priorities
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?
 
 
Fireside chat
9:40 AM - 10:00 AM
Payment Modernization: X-border as the first bite of the elephant
 
 
 
Advisory session
2:00 PM - 2:20 PM
Project Rialto: enhancing cross border payments using wholesale CBDC
 
 
 
Keynote address
9:20 AM - 9:35 AM
PSR and PSD3: the next phase of open payments
 
 
 
Keynote address
4:20 PM - 4:50 PM
Readying corporate treasury management for instant payments
-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?
 
 
Fireside chat
10:40 AM - 11:20 AM
Refreshment Break
 
 
 
Networking
10:50 AM - 11:35 AM
Refreshment Break
 
 
 
Networking
3:50 PM - 4:20 PM
Refreshment Break
 
 
 
Networking
2:15 PM - 2:30 PM
SoftPoS: revolutionising payment acceptance
 
 
 
Keynote address
2:15 PM - 2:35 PM
Streamlining cross-border rails: cost, transparency, speed and accessibility
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?
 
 
Interview
9:35 AM - 10:05 AM
Taking open banking payments further: overcoming the barriers
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
 
 
Fireside chat
11:40 AM - 12:05 PM
Tapping the value of ISO 20022 enriched data: the commercial opportunities
Streamlining payments: how can enriched data help improve STP and reduce processing time? Cross border payments: what role will ISO 20022 play in streamlining cross border payments? 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? The challenge of interoperability of market infrastructures
 
 
Fireside chat
3:15 PM - 3:50 PM
The future of analytics and data sharing in counter fraud
-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?
 
 
Panel discussion
2:20 PM - 3:00 PM
The future of central and commercial bank digital currencies
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?
 
 
Panel discussion
11:40 AM - 12:00 PM
The future of POS innovation
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?
 
 
Interview
4:50 PM - 5:30 PM
The instant payments mandate: the implications for bank strategies
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?
 
 
Panel discussion
11:20 AM - 11:40 AM
The next evolution of embedded payments
 
 
 
Interview
11:40 AM - 12:05 PM
The transformative potential of Digital IDs in payments
-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?
 
 
Fireside chat
12:25 PM - 1:10 PM
Towards a seamless end-to-end payment journey
-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?
 
 
Panel discussion
9:10 AM - 9:25 AM
Treating the customer as a real person
 
 
 
Keynote address
12:05 PM - 12:25 PM
Advisory session
 
 
 
Advisory session
12:40 PM - 1:00 PM
Advisory session
 
 
 
Advisory session
2:50 PM - 3:10 PM
Advisory session
 
 
 
Advisory session
2:55 PM - 3:15 PM
Advisory session
 
 
 
Advisory session
5:30 PM - 7:30 PM
After Party
 
 
 
Networking
2:55 PM - 3:15 PM
AI based automation: a revolution for financial criminals

-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?

 
 
Keynote address
11:20 AM - 11:40 AM
APP fraud: a regulatory perspective
 
 
 
Keynote address
11:40 AM - 12:20 PM
APP fraud: mapping the strategies for prevention
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?
 
 
Panel discussion
9:05 AM - 9:10 AM
Chair's opening remarks
 
 
 
Opening remarks
9:15 AM - 9:20 AM
Chair's opening remarks
 
 
 
Opening remarks
11:35 AM - 11:40 AM
Chair's opening remarks
 
 
 
Opening remarks
Chair's opening remarks
 
 
 
Opening remarks
10:00 AM - 10:40 AM
Charting the evolution of the payment ecosystem
-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?
 
 
Leaders' forum
12:05 PM - 12:45 PM
Charting the future of AI in payments
-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?
 
 
Panel discussion
9:25 AM - 9:40 AM
Collaboration to control risks in a digitizing world
 
 
 
Keynote address
12:40 PM - 1:00 PM
Counter fraud strategy in an evolving digital payments ecosystem
 
 
 
Interview
12:20 PM - 12:40 PM
Defrauding AI-powered fraudsters
 
 
 
Advisory session
3:10 PM - 3:30 PM
Enhancing payment propositions: the future of value-added services for merchants
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?
 
 
Fireside chat
2:30 PM - 2:50 PM
Ensuring digital operational resilience 
#NAME?
 
 
Interview
11:40 AM - 12:05 PM
Fraud risk versus abandonment risk: finding the right balance
-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?
 
 
Panel discussion
2:35 PM - 2:55 PM
Harnessing cloud in your payment modernisation journey
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?
 
 
Fireside chat
2:15 PM - 2:35 PM
Human and AI integration: a holistic financial crime strategy
 
 
 
Keynote address
12:05 PM - 12:45 PM
Keeping pace with the evolution of the payment wallet landscape
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?
 
 
Panel discussion
11:20 AM - 11:40 AM
Leveraging ISO 20022: enriched data in action
 
 
 
Keynote address
12:20 PM - 12:40 PM
Loyalty programmes: unlocking the potential
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?
 
 
Fireside chat
12:45 PM - 2:00 PM
Lunch
 
 
 
Networking
12:45 PM - 2:15 PM
Lunch
 
 
 
Networking
12:00 PM - 12:20 PM
Making subscriptions and recurring payments seamless: laying the foundations
-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?
 
 
Fireside chat
3:15 PM - 3:50 PM
Modernising core payment systems: transformation for the long term
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?
 
 
Panel discussion
2:35 PM - 2:55 PM
Nextgen biometrics: from authentication to advanced behavioural profiling
-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?
 
 
Fireside chat
10:05 AM - 10:50 AM
Open payments innovation: the business use cases
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?
 
 
Panel discussion
3:30 PM - 3:50 PM
Optimising orchestration: understanding the priorities
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?
 
 
Fireside chat
9:40 AM - 10:00 AM
Payment Modernization: X-border as the first bite of the elephant
 
 
 
Advisory session
2:00 PM - 2:20 PM
Project Rialto: enhancing cross border payments using wholesale CBDC
 
 
 
Keynote address
9:20 AM - 9:35 AM
PSR and PSD3: the next phase of open payments
 
 
 
Keynote address
4:20 PM - 4:50 PM
Readying corporate treasury management for instant payments
-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?
 
 
Fireside chat
10:40 AM - 11:20 AM
Refreshment Break
 
 
 
Networking
10:50 AM - 11:35 AM
Refreshment Break
 
 
 
Networking
3:50 PM - 4:20 PM
Refreshment Break
 
 
 
Networking
2:15 PM - 2:30 PM
SoftPoS: revolutionising payment acceptance
 
 
 
Keynote address
2:15 PM - 2:35 PM
Streamlining cross-border rails: cost, transparency, speed and accessibility
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?
 
 
Interview
9:35 AM - 10:05 AM
Taking open banking payments further: overcoming the barriers
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
 
 
Fireside chat
11:40 AM - 12:05 PM
Tapping the value of ISO 20022 enriched data: the commercial opportunities
Streamlining payments: how can enriched data help improve STP and reduce processing time? Cross border payments: what role will ISO 20022 play in streamlining cross border payments? 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? The challenge of interoperability of market infrastructures
 
 
Fireside chat
3:15 PM - 3:50 PM
The future of analytics and data sharing in counter fraud
-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?
 
 
Panel discussion
2:20 PM - 3:00 PM
The future of central and commercial bank digital currencies
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?
 
 
Panel discussion
11:40 AM - 12:00 PM
The future of POS innovation
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?
 
 
Interview
4:50 PM - 5:30 PM
The instant payments mandate: the implications for bank strategies
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?
 
 
Panel discussion
11:20 AM - 11:40 AM
The next evolution of embedded payments
 
 
 
Interview
11:40 AM - 12:05 PM
The transformative potential of Digital IDs in payments
-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?
 
 
Fireside chat
12:25 PM - 1:10 PM
Towards a seamless end-to-end payment journey
-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?
 
 
Panel discussion
9:10 AM - 9:25 AM
Treating the customer as a real person
 
 
 
Keynote address
12:05 PM - 12:25 PM
Advisory session
 
 
 
Advisory session
12:40 PM - 1:00 PM
Advisory session
 
 
 
Advisory session
2:50 PM - 3:10 PM
Advisory session
 
 
 
Advisory session
2:55 PM - 3:15 PM
Advisory session
 
 
 
Advisory session
5:30 PM - 7:30 PM
After Party
 
 
 
Networking
2:55 PM - 3:15 PM
AI based automation: a revolution for financial criminals

-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?

 
 
Keynote address
11:20 AM - 11:40 AM
APP fraud: a regulatory perspective
 
 
 
Keynote address
11:40 AM - 12:20 PM
APP fraud: mapping the strategies for prevention
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?
 
 
Panel discussion
9:05 AM - 9:10 AM
Chair's opening remarks
 
 
 
Opening remarks
9:15 AM - 9:20 AM
Chair's opening remarks
 
 
 
Opening remarks
11:35 AM - 11:40 AM
Chair's opening remarks
 
 
 
Opening remarks
Chair's opening remarks
 
 
 
Opening remarks
10:00 AM - 10:40 AM
Charting the evolution of the payment ecosystem
-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?
 
 
Leaders' forum
12:05 PM - 12:45 PM
Charting the future of AI in payments
-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?
 
 
Panel discussion
9:25 AM - 9:40 AM
Collaboration to control risks in a digitizing world
 
 
 
Keynote address
12:40 PM - 1:00 PM
Counter fraud strategy in an evolving digital payments ecosystem
 
 
 
Interview
12:20 PM - 12:40 PM
Defrauding AI-powered fraudsters
 
 
 
Advisory session
3:10 PM - 3:30 PM
Enhancing payment propositions: the future of value-added services for merchants
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?
 
 
Fireside chat
2:30 PM - 2:50 PM
Ensuring digital operational resilience 
#NAME?
 
 
Interview
11:40 AM - 12:05 PM
Fraud risk versus abandonment risk: finding the right balance
-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?
 
 
Panel discussion
2:35 PM - 2:55 PM
Harnessing cloud in your payment modernisation journey
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?
 
 
Fireside chat
2:15 PM - 2:35 PM
Human and AI integration: a holistic financial crime strategy
 
 
 
Keynote address
12:05 PM - 12:45 PM
Keeping pace with the evolution of the payment wallet landscape
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?
 
 
Panel discussion
11:20 AM - 11:40 AM
Leveraging ISO 20022: enriched data in action
 
 
 
Keynote address
12:20 PM - 12:40 PM
Loyalty programmes: unlocking the potential
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?
 
 
Fireside chat
12:45 PM - 2:00 PM
Lunch
 
 
 
Networking
12:45 PM - 2:15 PM
Lunch
 
 
 
Networking
12:00 PM - 12:20 PM
Making subscriptions and recurring payments seamless: laying the foundations
-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?
 
 
Fireside chat
3:15 PM - 3:50 PM
Modernising core payment systems: transformation for the long term
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?
 
 
Panel discussion
2:35 PM - 2:55 PM
Nextgen biometrics: from authentication to advanced behavioural profiling
-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?
 
 
Fireside chat
10:05 AM - 10:50 AM
Open payments innovation: the business use cases
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?
 
 
Panel discussion
3:30 PM - 3:50 PM
Optimising orchestration: understanding the priorities
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?
 
 
Fireside chat
9:40 AM - 10:00 AM
Payment Modernization: X-border as the first bite of the elephant
 
 
 
Advisory session
2:00 PM - 2:20 PM
Project Rialto: enhancing cross border payments using wholesale CBDC
 
 
 
Keynote address
9:20 AM - 9:35 AM
PSR and PSD3: the next phase of open payments
 
 
 
Keynote address
4:20 PM - 4:50 PM
Readying corporate treasury management for instant payments
-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?
 
 
Fireside chat
10:40 AM - 11:20 AM
Refreshment Break
 
 
 
Networking
10:50 AM - 11:35 AM
Refreshment Break
 
 
 
Networking
3:50 PM - 4:20 PM
Refreshment Break
 
 
 
Networking
2:15 PM - 2:30 PM
SoftPoS: revolutionising payment acceptance
 
 
 
Keynote address
2:15 PM - 2:35 PM
Streamlining cross-border rails: cost, transparency, speed and accessibility
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?
 
 
Interview
9:35 AM - 10:05 AM
Taking open banking payments further: overcoming the barriers
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
 
 
Fireside chat
11:40 AM - 12:05 PM
Tapping the value of ISO 20022 enriched data: the commercial opportunities
Streamlining payments: how can enriched data help improve STP and reduce processing time? Cross border payments: what role will ISO 20022 play in streamlining cross border payments? 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? The challenge of interoperability of market infrastructures
 
 
Fireside chat
3:15 PM - 3:50 PM
The future of analytics and data sharing in counter fraud
-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?
 
 
Panel discussion
2:20 PM - 3:00 PM
The future of central and commercial bank digital currencies
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?
 
 
Panel discussion
11:40 AM - 12:00 PM
The future of POS innovation
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?
 
 
Interview
4:50 PM - 5:30 PM
The instant payments mandate: the implications for bank strategies
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?
 
 
Panel discussion
11:20 AM - 11:40 AM
The next evolution of embedded payments
 
 
 
Interview
11:40 AM - 12:05 PM
The transformative potential of Digital IDs in payments
-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?
 
 
Fireside chat
12:25 PM - 1:10 PM
Towards a seamless end-to-end payment journey
-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?
 
 
Panel discussion
9:10 AM - 9:25 AM
Treating the customer as a real person
 
 
 
Keynote address
12:05 PM - 12:25 PM
Advisory session
 
 
 
Advisory session
12:40 PM - 1:00 PM
Advisory session
 
 
 
Advisory session
2:50 PM - 3:10 PM
Advisory session
 
 
 
Advisory session
2:55 PM - 3:15 PM
Advisory session
 
 
 
Advisory session
5:30 PM - 7:30 PM
After Party
 
 
 
Networking
2:55 PM - 3:15 PM
AI based automation: a revolution for financial criminals

-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?

 
 
Keynote address
11:20 AM - 11:40 AM
APP fraud: a regulatory perspective
 
 
 
Keynote address
11:40 AM - 12:20 PM
APP fraud: mapping the strategies for prevention
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?
 
 
Panel discussion
9:05 AM - 9:10 AM
Chair's opening remarks
 
 
 
Opening remarks
9:15 AM - 9:20 AM
Chair's opening remarks
 
 
 
Opening remarks
11:35 AM - 11:40 AM
Chair's opening remarks
 
 
 
Opening remarks
Chair's opening remarks
 
 
 
Opening remarks
10:00 AM - 10:40 AM
Charting the evolution of the payment ecosystem
-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?
 
 
Leaders' forum
12:05 PM - 12:45 PM
Charting the future of AI in payments
-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?
 
 
Panel discussion
9:25 AM - 9:40 AM
Collaboration to control risks in a digitizing world
 
 
 
Keynote address
12:40 PM - 1:00 PM
Counter fraud strategy in an evolving digital payments ecosystem
 
 
 
Interview
12:20 PM - 12:40 PM
Defrauding AI-powered fraudsters
 
 
 
Advisory session
3:10 PM - 3:30 PM
Enhancing payment propositions: the future of value-added services for merchants
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?
 
 
Fireside chat
2:30 PM - 2:50 PM
Ensuring digital operational resilience 
#NAME?
 
 
Interview
11:40 AM - 12:05 PM
Fraud risk versus abandonment risk: finding the right balance
-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?
 
 
Panel discussion
2:35 PM - 2:55 PM
Harnessing cloud in your payment modernisation journey
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?
 
 
Fireside chat
2:15 PM - 2:35 PM
Human and AI integration: a holistic financial crime strategy
 
 
 
Keynote address
12:05 PM - 12:45 PM
Keeping pace with the evolution of the payment wallet landscape
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?
 
 
Panel discussion
11:20 AM - 11:40 AM
Leveraging ISO 20022: enriched data in action
 
 
 
Keynote address
12:20 PM - 12:40 PM
Loyalty programmes: unlocking the potential
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?
 
 
Fireside chat
12:45 PM - 2:00 PM
Lunch
 
 
 
Networking
12:45 PM - 2:15 PM
Lunch
 
 
 
Networking
12:00 PM - 12:20 PM
Making subscriptions and recurring payments seamless: laying the foundations
-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?
 
 
Fireside chat
3:15 PM - 3:50 PM
Modernising core payment systems: transformation for the long term
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?
 
 
Panel discussion
2:35 PM - 2:55 PM
Nextgen biometrics: from authentication to advanced behavioural profiling
-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?
 
 
Fireside chat
10:05 AM - 10:50 AM
Open payments innovation: the business use cases
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?
 
 
Panel discussion
3:30 PM - 3:50 PM
Optimising orchestration: understanding the priorities
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?
 
 
Fireside chat
9:40 AM - 10:00 AM
Payment Modernization: X-border as the first bite of the elephant
 
 
 
Advisory session
2:00 PM - 2:20 PM
Project Rialto: enhancing cross border payments using wholesale CBDC
 
 
 
Keynote address
9:20 AM - 9:35 AM
PSR and PSD3: the next phase of open payments
 
 
 
Keynote address
4:20 PM - 4:50 PM
Readying corporate treasury management for instant payments
-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?
 
 
Fireside chat
10:40 AM - 11:20 AM
Refreshment Break
 
 
 
Networking
10:50 AM - 11:35 AM
Refreshment Break
 
 
 
Networking
3:50 PM - 4:20 PM
Refreshment Break
 
 
 
Networking
2:15 PM - 2:30 PM
SoftPoS: revolutionising payment acceptance
 
 
 
Keynote address
2:15 PM - 2:35 PM
Streamlining cross-border rails: cost, transparency, speed and accessibility
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?
 
 
Interview
9:35 AM - 10:05 AM
Taking open banking payments further: overcoming the barriers
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
 
 
Fireside chat
11:40 AM - 12:05 PM
Tapping the value of ISO 20022 enriched data: the commercial opportunities
Streamlining payments: how can enriched data help improve STP and reduce processing time? Cross border payments: what role will ISO 20022 play in streamlining cross border payments? 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? The challenge of interoperability of market infrastructures
 
 
Fireside chat
3:15 PM - 3:50 PM
The future of analytics and data sharing in counter fraud
-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?
 
 
Panel discussion
2:20 PM - 3:00 PM
The future of central and commercial bank digital currencies
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?
 
 
Panel discussion
11:40 AM - 12:00 PM
The future of POS innovation
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?
 
 
Interview
4:50 PM - 5:30 PM
The instant payments mandate: the implications for bank strategies
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?
 
 
Panel discussion
11:20 AM - 11:40 AM
The next evolution of embedded payments
 
 
 
Interview
11:40 AM - 12:05 PM
The transformative potential of Digital IDs in payments
-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?
 
 
Fireside chat
12:25 PM - 1:10 PM
Towards a seamless end-to-end payment journey
-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?
 
 
Panel discussion
9:10 AM - 9:25 AM
Treating the customer as a real person
 
 
 
Keynote address
12:05 PM - 12:25 PM
Advisory session
 
 
 
Advisory session
12:40 PM - 1:00 PM
Advisory session
 
 
 
Advisory session
2:50 PM - 3:10 PM
Advisory session
 
 
 
Advisory session
2:55 PM - 3:15 PM
Advisory session
 
 
 
Advisory session
5:30 PM - 7:30 PM
After Party
 
 
 
Networking
2:55 PM - 3:15 PM
AI based automation: a revolution for financial criminals

-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?

 
 
Keynote address
11:20 AM - 11:40 AM
APP fraud: a regulatory perspective
 
 
 
Keynote address
11:40 AM - 12:20 PM
APP fraud: mapping the strategies for prevention
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?
 
 
Panel discussion
9:05 AM - 9:10 AM
Chair's opening remarks
 
 
 
Opening remarks
9:15 AM - 9:20 AM
Chair's opening remarks
 
 
 
Opening remarks
11:35 AM - 11:40 AM
Chair's opening remarks
 
 
 
Opening remarks
Chair's opening remarks
 
 
 
Opening remarks
10:00 AM - 10:40 AM
Charting the evolution of the payment ecosystem
-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?
 
 
Leaders' forum
12:05 PM - 12:45 PM
Charting the future of AI in payments
-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?
 
 
Panel discussion
9:25 AM - 9:40 AM
Collaboration to control risks in a digitizing world
 
 
 
Keynote address
12:40 PM - 1:00 PM
Counter fraud strategy in an evolving digital payments ecosystem
 
 
 
Interview
12:20 PM - 12:40 PM
Defrauding AI-powered fraudsters
 
 
 
Advisory session
3:10 PM - 3:30 PM
Enhancing payment propositions: the future of value-added services for merchants
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?
 
 
Fireside chat
2:30 PM - 2:50 PM
Ensuring digital operational resilience 
#NAME?
 
 
Interview
11:40 AM - 12:05 PM
Fraud risk versus abandonment risk: finding the right balance
-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?
 
 
Panel discussion
2:35 PM - 2:55 PM
Harnessing cloud in your payment modernisation journey
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?
 
 
Fireside chat
2:15 PM - 2:35 PM
Human and AI integration: a holistic financial crime strategy
 
 
 
Keynote address
12:05 PM - 12:45 PM
Keeping pace with the evolution of the payment wallet landscape
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?
 
 
Panel discussion
11:20 AM - 11:40 AM
Leveraging ISO 20022: enriched data in action
 
 
 
Keynote address
12:20 PM - 12:40 PM
Loyalty programmes: unlocking the potential
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?
 
 
Fireside chat
12:45 PM - 2:00 PM
Lunch
 
 
 
Networking
12:45 PM - 2:15 PM
Lunch
 
 
 
Networking
12:00 PM - 12:20 PM
Making subscriptions and recurring payments seamless: laying the foundations
-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?
 
 
Fireside chat
3:15 PM - 3:50 PM
Modernising core payment systems: transformation for the long term
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?
 
 
Panel discussion
2:35 PM - 2:55 PM
Nextgen biometrics: from authentication to advanced behavioural profiling
-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?
 
 
Fireside chat
10:05 AM - 10:50 AM
Open payments innovation: the business use cases
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?
 
 
Panel discussion
3:30 PM - 3:50 PM
Optimising orchestration: understanding the priorities
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?
 
 
Fireside chat
9:40 AM - 10:00 AM
Payment Modernization: X-border as the first bite of the elephant
 
 
 
Advisory session
2:00 PM - 2:20 PM
Project Rialto: enhancing cross border payments using wholesale CBDC
 
 
 
Keynote address
9:20 AM - 9:35 AM
PSR and PSD3: the next phase of open payments
 
 
 
Keynote address
4:20 PM - 4:50 PM
Readying corporate treasury management for instant payments
-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?
 
 
Fireside chat
10:40 AM - 11:20 AM
Refreshment Break
 
 
 
Networking
10:50 AM - 11:35 AM
Refreshment Break
 
 
 
Networking
3:50 PM - 4:20 PM
Refreshment Break
 
 
 
Networking
2:15 PM - 2:30 PM
SoftPoS: revolutionising payment acceptance
 
 
 
Keynote address
2:15 PM - 2:35 PM
Streamlining cross-border rails: cost, transparency, speed and accessibility
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?
 
 
Interview
9:35 AM - 10:05 AM
Taking open banking payments further: overcoming the barriers
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
 
 
Fireside chat
11:40 AM - 12:05 PM
Tapping the value of ISO 20022 enriched data: the commercial opportunities
Streamlining payments: how can enriched data help improve STP and reduce processing time? Cross border payments: what role will ISO 20022 play in streamlining cross border payments? 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? The challenge of interoperability of market infrastructures
 
 
Fireside chat
3:15 PM - 3:50 PM
The future of analytics and data sharing in counter fraud
-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?
 
 
Panel discussion
2:20 PM - 3:00 PM
The future of central and commercial bank digital currencies
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?
 
 
Panel discussion
11:40 AM - 12:00 PM
The future of POS innovation
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?
 
 
Interview
4:50 PM - 5:30 PM
The instant payments mandate: the implications for bank strategies
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?
 
 
Panel discussion
11:20 AM - 11:40 AM
The next evolution of embedded payments
 
 
 
Interview
11:40 AM - 12:05 PM
The transformative potential of Digital IDs in payments
-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?
 
 
Fireside chat
12:25 PM - 1:10 PM
Towards a seamless end-to-end payment journey
-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?
 
 
Panel discussion
9:10 AM - 9:25 AM
Treating the customer as a real person
 
 
 
Keynote address
12:05 PM - 12:25 PM
Advisory session
 
 
 
Advisory session
12:40 PM - 1:00 PM
Advisory session
 
 
 
Advisory session
2:50 PM - 3:10 PM
Advisory session
 
 
 
Advisory session
2:55 PM - 3:15 PM
Advisory session
 
 
 
Advisory session
5:30 PM - 7:30 PM
After Party
 
 
 
Networking
2:55 PM - 3:15 PM
AI based automation: a revolution for financial criminals

-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?

 
 
Keynote address
11:20 AM - 11:40 AM
APP fraud: a regulatory perspective
 
 
 
Keynote address
11:40 AM - 12:20 PM
APP fraud: mapping the strategies for prevention
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?
 
 
Panel discussion
9:05 AM - 9:10 AM
Chair's opening remarks
 
 
 
Opening remarks
9:15 AM - 9:20 AM
Chair's opening remarks
 
 
 
Opening remarks
11:35 AM - 11:40 AM
Chair's opening remarks
 
 
 
Opening remarks
Chair's opening remarks
 
 
 
Opening remarks
10:00 AM - 10:40 AM
Charting the evolution of the payment ecosystem
-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?
 
 
Leaders' forum
12:05 PM - 12:45 PM
Charting the future of AI in payments
-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?
 
 
Panel discussion
9:25 AM - 9:40 AM
Collaboration to control risks in a digitizing world
 
 
 
Keynote address
12:40 PM - 1:00 PM
Counter fraud strategy in an evolving digital payments ecosystem
 
 
 
Interview
12:20 PM - 12:40 PM
Defrauding AI-powered fraudsters
 
 
 
Advisory session
3:10 PM - 3:30 PM
Enhancing payment propositions: the future of value-added services for merchants
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?
 
 
Fireside chat
2:30 PM - 2:50 PM
Ensuring digital operational resilience 
#NAME?
 
 
Interview
11:40 AM - 12:05 PM
Fraud risk versus abandonment risk: finding the right balance
-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?
 
 
Panel discussion
2:35 PM - 2:55 PM
Harnessing cloud in your payment modernisation journey
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?
 
 
Fireside chat
2:15 PM - 2:35 PM
Human and AI integration: a holistic financial crime strategy
 
 
 
Keynote address
12:05 PM - 12:45 PM
Keeping pace with the evolution of the payment wallet landscape
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?
 
 
Panel discussion
11:20 AM - 11:40 AM
Leveraging ISO 20022: enriched data in action
 
 
 
Keynote address
12:20 PM - 12:40 PM
Loyalty programmes: unlocking the potential
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?
 
 
Fireside chat
12:45 PM - 2:00 PM
Lunch
 
 
 
Networking
12:45 PM - 2:15 PM
Lunch
 
 
 
Networking
12:00 PM - 12:20 PM
Making subscriptions and recurring payments seamless: laying the foundations
-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?
 
 
Fireside chat
3:15 PM - 3:50 PM
Modernising core payment systems: transformation for the long term
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?
 
 
Panel discussion
2:35 PM - 2:55 PM
Nextgen biometrics: from authentication to advanced behavioural profiling
-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?
 
 
Fireside chat
10:05 AM - 10:50 AM
Open payments innovation: the business use cases
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?
 
 
Panel discussion
3:30 PM - 3:50 PM
Optimising orchestration: understanding the priorities
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?
 
 
Fireside chat
9:40 AM - 10:00 AM
Payment Modernization: X-border as the first bite of the elephant
 
 
 
Advisory session
2:00 PM - 2:20 PM
Project Rialto: enhancing cross border payments using wholesale CBDC
 
 
 
Keynote address
9:20 AM - 9:35 AM
PSR and PSD3: the next phase of open payments
 
 
 
Keynote address
4:20 PM - 4:50 PM
Readying corporate treasury management for instant payments
-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?
 
 
Fireside chat
10:40 AM - 11:20 AM
Refreshment Break
 
 
 
Networking
10:50 AM - 11:35 AM
Refreshment Break
 
 
 
Networking
3:50 PM - 4:20 PM
Refreshment Break
 
 
 
Networking
2:15 PM - 2:30 PM
SoftPoS: revolutionising payment acceptance
 
 
 
Keynote address
2:15 PM - 2:35 PM
Streamlining cross-border rails: cost, transparency, speed and accessibility
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?
 
 
Interview
9:35 AM - 10:05 AM
Taking open banking payments further: overcoming the barriers
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
 
 
Fireside chat
11:40 AM - 12:05 PM
Tapping the value of ISO 20022 enriched data: the commercial opportunities
Streamlining payments: how can enriched data help improve STP and reduce processing time? Cross border payments: what role will ISO 20022 play in streamlining cross border payments? 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? The challenge of interoperability of market infrastructures
 
 
Fireside chat
3:15 PM - 3:50 PM
The future of analytics and data sharing in counter fraud
-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?
 
 
Panel discussion
2:20 PM - 3:00 PM
The future of central and commercial bank digital currencies
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?
 
 
Panel discussion
11:40 AM - 12:00 PM
The future of POS innovation
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?
 
 
Interview
4:50 PM - 5:30 PM
The instant payments mandate: the implications for bank strategies
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?
 
 
Panel discussion
11:20 AM - 11:40 AM
The next evolution of embedded payments
 
 
 
Interview
11:40 AM - 12:05 PM
The transformative potential of Digital IDs in payments
-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?
 
 
Fireside chat
12:25 PM - 1:10 PM
Towards a seamless end-to-end payment journey
-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?
 
 
Panel discussion
9:10 AM - 9:25 AM
Treating the customer as a real person
 
 
 
Keynote address
12:05 PM - 12:25 PM
Advisory session
 
 
 
Advisory session
12:40 PM - 1:00 PM
Advisory session
 
 
 
Advisory session
2:50 PM - 3:10 PM
Advisory session
 
 
 
Advisory session
2:55 PM - 3:15 PM
Advisory session
 
 
 
Advisory session
5:30 PM - 7:30 PM
After Party
 
 
 
Networking
2:55 PM - 3:15 PM
AI based automation: a revolution for financial criminals

-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?

 
 
Keynote address
11:20 AM - 11:40 AM
APP fraud: a regulatory perspective
 
 
 
Keynote address
11:40 AM - 12:20 PM
APP fraud: mapping the strategies for prevention
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?
 
 
Panel discussion
9:05 AM - 9:10 AM
Chair's opening remarks
 
 
 
Opening remarks
9:15 AM - 9:20 AM
Chair's opening remarks
 
 
 
Opening remarks
11:35 AM - 11:40 AM
Chair's opening remarks
 
 
 
Opening remarks
Chair's opening remarks
 
 
 
Opening remarks
10:00 AM - 10:40 AM
Charting the evolution of the payment ecosystem
-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?
 
 
Leaders' forum
12:05 PM - 12:45 PM
Charting the future of AI in payments
-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?
 
 
Panel discussion
9:25 AM - 9:40 AM
Collaboration to control risks in a digitizing world
 
 
 
Keynote address
12:40 PM - 1:00 PM
Counter fraud strategy in an evolving digital payments ecosystem
 
 
 
Interview
12:20 PM - 12:40 PM
Defrauding AI-powered fraudsters
 
 
 
Advisory session
3:10 PM - 3:30 PM
Enhancing payment propositions: the future of value-added services for merchants
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?
 
 
Fireside chat
2:30 PM - 2:50 PM
Ensuring digital operational resilience 
#NAME?
 
 
Interview
11:40 AM - 12:05 PM
Fraud risk versus abandonment risk: finding the right balance
-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?
 
 
Panel discussion
2:35 PM - 2:55 PM
Harnessing cloud in your payment modernisation journey
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?
 
 
Fireside chat
2:15 PM - 2:35 PM
Human and AI integration: a holistic financial crime strategy
 
 
 
Keynote address
12:05 PM - 12:45 PM
Keeping pace with the evolution of the payment wallet landscape
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?
 
 
Panel discussion
11:20 AM - 11:40 AM
Leveraging ISO 20022: enriched data in action
 
 
 
Keynote address
12:20 PM - 12:40 PM
Loyalty programmes: unlocking the potential
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?
 
 
Fireside chat
12:45 PM - 2:00 PM
Lunch
 
 
 
Networking
12:45 PM - 2:15 PM
Lunch
 
 
 
Networking
12:00 PM - 12:20 PM
Making subscriptions and recurring payments seamless: laying the foundations
-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?
 
 
Fireside chat
3:15 PM - 3:50 PM
Modernising core payment systems: transformation for the long term
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?
 
 
Panel discussion
2:35 PM - 2:55 PM
Nextgen biometrics: from authentication to advanced behavioural profiling
-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?
 
 
Fireside chat
10:05 AM - 10:50 AM
Open payments innovation: the business use cases
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?
 
 
Panel discussion
3:30 PM - 3:50 PM
Optimising orchestration: understanding the priorities
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?
 
 
Fireside chat
9:40 AM - 10:00 AM
Payment Modernization: X-border as the first bite of the elephant
 
 
 
Advisory session
2:00 PM - 2:20 PM
Project Rialto: enhancing cross border payments using wholesale CBDC
 
 
 
Keynote address
9:20 AM - 9:35 AM
PSR and PSD3: the next phase of open payments
 
 
 
Keynote address
4:20 PM - 4:50 PM
Readying corporate treasury management for instant payments
-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?
 
 
Fireside chat
10:40 AM - 11:20 AM
Refreshment Break
 
 
 
Networking
10:50 AM - 11:35 AM
Refreshment Break
 
 
 
Networking
3:50 PM - 4:20 PM
Refreshment Break
 
 
 
Networking
2:15 PM - 2:30 PM
SoftPoS: revolutionising payment acceptance
 
 
 
Keynote address
2:15 PM - 2:35 PM
Streamlining cross-border rails: cost, transparency, speed and accessibility
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?
 
 
Interview
9:35 AM - 10:05 AM
Taking open banking payments further: overcoming the barriers
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
 
 
Fireside chat
11:40 AM - 12:05 PM
Tapping the value of ISO 20022 enriched data: the commercial opportunities
Streamlining payments: how can enriched data help improve STP and reduce processing time? Cross border payments: what role will ISO 20022 play in streamlining cross border payments? 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? The challenge of interoperability of market infrastructures
 
 
Fireside chat
3:15 PM - 3:50 PM
The future of analytics and data sharing in counter fraud
-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?
 
 
Panel discussion
2:20 PM - 3:00 PM
The future of central and commercial bank digital currencies
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?
 
 
Panel discussion
11:40 AM - 12:00 PM
The future of POS innovation
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?
 
 
Interview
4:50 PM - 5:30 PM
The instant payments mandate: the implications for bank strategies
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?
 
 
Panel discussion
11:20 AM - 11:40 AM
The next evolution of embedded payments
 
 
 
Interview
11:40 AM - 12:05 PM
The transformative potential of Digital IDs in payments
-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?
 
 
Fireside chat
12:25 PM - 1:10 PM
Towards a seamless end-to-end payment journey
-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?
 
 
Panel discussion
9:10 AM - 9:25 AM
Treating the customer as a real person
 
 
 
Keynote address