Organised by
In association with
Take a look at the 2026 agenda below to get a sense of what to expect. If you’d like to help shape this year’s agenda or get involved, click the “Speak in 2026” button below and we’ll be in touch.
Over the next 5 years, end-user expectations are set to change dramatically, driven by technology, convenience and evolving business models. Understanding the key pain points to personalise and target new products is essential in reaching the modern user, whether consumer or business, and is vital to surviving a competitive climate.
This session will explore what these shifts mean for the industry and uncover new opportunities for product development and infrastructures.
Our panel will examine the new standards that will define both consumer and business payment experiences in order to stay ahead of accelerating demands and to prepare your organisation for the future of payments.
Keith Douglas’ Pay360 headline keynote will reflect on the National Payments Vision (NPV) and Deputy Governor Sarah Breeden’s call for a next‑generation UK retail payments infrastructure co‑designed by the Bank of England and industry and delivered at pace.
It will explore how the whole ecosystem – banks, fintechs, regulators, merchants, end-user representatives, big tech and infrastructure providers – can collectively advance the objectives of the NPV, balancing the drive for innovation with the need to maintain resilience. It will also emphasise the importance of continuing to modernise current services to ensure operational certainty, while creating the time and flexibility required to build the UK’s future retail payments infrastructure.
Mastercard’s role will be presented through its work in areas such as AI‑driven fraud prevention, tokenisation, financial inclusion and digital‑native payments, while highlighting Vocalink expertise in providing the regulated resilience essential to the UK’s critical national payments infrastructure, supporting operational reliability and secure interoperability.
The speech will highlight that the UK’s future payments landscape must be built on genuine choice – allowing people and businesses to pay how they want, when they want and across a range of trusted, interoperable rails. That means not only modernising the UK’s A2A infrastructure, but ensuring cards remain a benchmark for reliability, digital wallets continue to grow as everyday tools, merchant needs around cost and certainty are met and consumer protections remain strong across all rails.
Open Banking in the UK is evolving from a competition remedy to an innovation-driven model with a real focus on driving wider economic growth. Marion King, Chair of Open Banking Limited, will outline projections for the potential benefits, growth, and opportunity before us, what we need to do collectively to achieve this, and the changing nature of the open banking model to better drive innovative products and services.
Artificial intelligence is changing the face of payments, allowing financial services to evolve at an unprecedented speed, but its rapid adoption also presents new ethical and security challenges. Simply integrating AI isn’t enough; the key is to set clear guardrails to ensure its responsible implementation. How will incoming regulation like the GENIUS Act impact the usage of AI on a global scale?
This session will go beyond the hype to provide a practical guidance for your payments business. Hear from leaders who are proactively defining the rules, turning potential risks into a competitive advantage.
In this keynote, the Minister will set out a strategic vision for how the UK can balance innovation with stability, foster competition while ensuring security, and enable cross-border interoperability. It is not just about enabling new rails; it’s about designing a trusted, inclusive, and resilient financial future.
The UK has long been seen as a pioneer in open banking but as the New Payments Vision sets out its 5-year roadmap, including the roll-out for VRPs to unlock a series of open banking use cases, from utility bill payments to paying taxes, the question remains: has the UK got the model right this time?
At the heart of this vision is a proposed not-for-profit entity, guided by the Payments Vision Delivery Committee (PVDC), to provide the infrastructure and payment rails that will underpin open banking services. But is this approach sustainable? And will it deliver the innovation, resilience, and industry-wide collaboration needed to keep the UK at the forefront of global payments?
This panel will discuss whether the model will work and what it means for providers, merchants and end users? Can the UK truly set the standard for open banking worldwide?
Masha Cilliers, Ambassador, The Payments Association (moderator)
Rajni Tiwari, Head of Payment Acceptance UK & Ireland, Amazon
Andrew Self, Head of Department, Open Banking and Open Finance, Financial Conduct Authority
Ravi Tiwari, Everyday Banking Director, Lloyds Banking Group
The line between human and machine is blurring, and fraudsters are exploiting it. With evolutions of generative AI powering larger, more personalised attacks on consumers, the threshold for security and evolving fraud controls have risen but regulations remain stringent. Is red tape holding the industry back from staying ahead of the criminals?
This session explores case studies showing how criminals are leveraging Generative AI and other advanced technologies to create sophisticated, and almost undetectable, fraud schemes.
Jas Narang, Chief Transformation and AI Officer, Santander
Ecosystem Execution: Aligning internal teams, tools and strategy