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Key

Financial Crime & Compliance
Cross-border Payments
Technology, Data & AI
Digital Currencies & Crypto
Financial Inclusion
Operational Resilience
Merchant Payments
Regulation & Policy
ESG
Digital Transformation
Open Banking
Customer Experience

Day 1

08:30

Registration & networking

09:00

Keynotes — Welcome remarks

TBA, Senior Representative, The Payments Association

09:10

Opening keynote — Ministerial address

09:20

Headline sponsor keynote

TBA, Senior Representative, Mastercard

09:40

Host bank partner keynote

10:00

Keynote panel — Financial crime: What can Europe and the world learn from each other?

  • As the industry’s number one challenge, can financial crime ever be properly addressed unless countries start working closely together?
  • What could international cooperation look like? Where should efforts be focussed?
  • What is working to fight financial crime? What should be adopted as best practice?
  • Is data sharing the key to finding and preventing bad actors?
  • The UK APP fraud rules — are they a mistake or could they form a global benchmark?

Mike Regnier, CEO UK, Santander

Kate Fitzgerald, Head of Policy, PSR

Carolin Gardner, Head of AML/CFT Unit, EBA

Financial Crime & Compliance

Regulation & Policy

10:45

Morning networking break

11:15

Industry Keynote

11:25

Keynote panel debate – Are wallets going to win?

  • What are the concerns of the PSR and FCA?
  • Will tech providers like Apple have to change their business models?
  • Will offerings like ‘Click to Pay’ shift the balance?
  • How could wallets interact with other initiatives like account-to-account payments?
  • What could this shift mean for traditional industry players?

David Parker, Lead Ambassador, The Payments Association (moderator)

Hugo Remi, CEO, Cardaq

Shachar Bialick, CEO, Curve

Dan Moore, Head of Strategy, Analysis and Engagement, PSR

Merchant Payments
Regulation & Policy
Digital Transformation
12:10

LUNCH

13:10

Choose your session

Track A — Navigating the Regulatory Roadmap

Lead stream sponsor – IFX

Stream Keynote — Seeing the big picture: The effect of global economics on payments
  • The industry doesn’t operate in a vacuum — how is the global economic outlook affecting the payments industry?
  • How could we expect geopolitics to impact the industry?
  • How are customers being affected and what does this mean for spending patterns and revenues?

Will Marwick, Chief Executive Officer, IFX

Cross-border payments
Regulation & Policy

Track B — Delivering Digital Transformation

Lead stream sponsor – Thredd

Stream Keynote — Adapt and evolve: Staying innovative in a changing landscape
As one of the world’s leading card issuer processors, Thredd will provide an overview of the changing dynamics in the global cards landscape and provide a walkthrough of how to navigate the rapidly changing market.
 
  • Explore the use cases
  • Key delivery choices and considerations
  • How to expand and grow your value proposition
  • Best practices and lessons learnt
Operational Resilience
Digital Transformation

Track C – Powered by Data & AI

Lead stream sponsor — Visa

Stream Keynote — Me, Me, Me: The future of hyper-personalisation
  • How is AI being used to streamline the customer experience, rather than clog the journey with too many options?
  • What can we predict about customer needs and how to use that to drive revenue?
  • How can tools like chatbots and robo-advisors provide extra support and free up human resource?
  • How can personalisation be utilised to improve necessary processes like KYC?

TBA, Senior Representative, Visa

Technology, Data & AI
Customer Experience
13:30

Choose your session

Track A

Panel — Shifting regulation, changing priorities: The convoluted road ahead
  • What are the most important fixtures on the upcoming regulation roadmap in UK and Europe?
  • What are the global policies influencing Europe?
  • Are regulators well-resourced enough to deliver these changes and support the industry meeting them as well?
  • Is the current regulatory approach a burden on firms and stifling innovation?
  • Technology continues to move faster than regulation — how can regulators do more than just ‘keep up’?

László Kajdi, Head of Section, The Central Bank of Hungary
Michael Schweiger, Chief Compliance Officer, Airbnb Payments

Technology, Data & AI
Regulation & Policy

Track B

Panel — Out with the old? Overhauling legacy while maintaining resilience
  • What are the benchmarks for operational excellence in financial services?
  • How do you stay lean and optimise efficiencies whilst growing outputs, enhancing tech stacks and overhauling old systems?
  • What are best practice processes for integrating old and new technologies?
  • How do you decide when to build, buy or partner for new solutions and offerings?
  • How do you get the benefits out of necessary regulatory changes and maximise investment in open banking, VRPs, strategic re-platforming etc?
Chris Thompson, IT, Architect, Bravissimo
Anjali Subburaj, Principal Enterprise Architect, Zooplus
Operational Resilience
Digital Transformation

Track C

Panel — Mining for data gold: How to build a strategic data strategy
  • How to move past a tick-box approach for collecting data or buying data services — what is the purpose? What is the use case?
  • Using data as the starting point — how to leverage data to feed into strategic business decision making
  • How are strong data and strong AI strategies intertwined? Are we using AI effectively to drive efficiency and optimisation?
Rakhee Modha, Data Director, Starling Bank
Bhagya Reddy, Executive Director, Virgin Media O2
Technology, Data & AI
Digital Transformation
14:15

Choose your session

Track A

Spotlight Session – Proactive vs. Reactive: Resilient Verification Keeps Your Compliance a Step Ahead
  • How do you configure onboarding to automatically cascade from one verification technique to another depending on regulatory requirements, risk profiles and regional idiosyncrasies? How can ongoing innovation help you normalize and standardize identity data for worldwide verification?
  • How can you keep your verification on the cutting edge to ensure compliance and onboarding speed now and in the future? How can sophisticated AI and machine learning form an agile defence against the full range of fraud attacks, from conventional to sophisticated?
  • How can your global enterprise onboard people and businesses in markets around the world without overburdening your development team with multiple APIs and point solutions?
Financial Crime & Compliance
Regulation & Policy

Track B

Spotlight Session – Does the payments industry have the skills to stay ahead?
  • What are the ‘skills of the future’ and how do you upskill at scale to stay cutting edge?
  • What are the current talent trends?
  • How will AI change the workplace? What do you need to put in place now for your teams?
  • Is it possible to keep a founder mentality (a focus on agility, innovation, growth) whilst scaling
Technology, Data & AIOperational Resilience
Digital Transformation

Track C

Spotlight Session – Closing Pandora’s box? The ethics of AI in payments
  • What are the known risks – bias, privacy, security?
  • What best practice is emerging in managing AI use responsibly? What does good AI governance look like?
  • What impact have regulators around the world had on managing AI responsibly? What else is being considered?
Technology, Data & AI
ESG
14:35

Afternoon networking break

15:05

Choose your session

Panel

Across the divide: Can cross-border payments be easy, cheap and reliable?
  • The consumer demand is there – what do we need from regulators to make cross-border payments accessible to payments providers?
  • How could better data sharing help stop bad actors sending money across borders?
  • What are the opportunities for financial inclusion and remittance without bank accounts?
  • Global regulatory harmonisation — what efforts are being undertaken to standardise regulation across borders?

Dima Kats, CEO, Clear Junction
Ugne Buraciene, Group CEO, payabl.

Damien Godderis, Head of Payments Industry Engagment, BNP Paribas

Cross-border payments
Regulation & Policy
Customer Experience

Afternoon Stream

Alternate Rails and Digital Currencies
Panel — The long road to usability for CBDCs
  • Explore global CBDC progress — are there any that could be considered a success?
  • How far along is the process for the digital pound from a regulatory standpoint?
  • What infrastructure needs to be in place? What could they mean for cross-border payments or open-banking?
  • Will digital currencies ever be a viable and practical method of payment for merchants? What are the practical use cases?

Maha El Dimachki, Centre Head, BIS Innovation Hub Singapore

Digital Currencies & Crypto
Regulation & Policy

Panel

Beyond hypotheticals: Real use cases for AI in financial services
  • How can AI be used to complement existing technologies and strategies? Is the best AI the one we don’t notice?
  • How are organisations using AI right now, beyond ideation. What best practice is emerging?
  • How do you build a coherent AI strategy that is future proof and not jumping on a short term bandwagon?
Technology, Data & AI
Digital Transformation
15:50

Choose your session

Spotlight Session

Unleashing the potential of digital wallets
  • What role do digital wallets play in the payment ecosystem? How is their usage/relevance evolving?
  • What is the potential impact and opportunities for collaboration and financial inclusion?
  • What are the main challenges in compliance and interoperability?
  • How could we expect wallets to evolve in the future?

TBA, Senior Representative, Terrapay

Technology, Data & AI
Financial Inclusion

Spotlight Session

Will we ever trust digital currencies?
  • How do we gain the same level of trust for digital currencies as we have for other currencies and payment methods?
  • Will centralisation lower the appeal for digital currencies vs crypto?
  • What impact will regulations like MiCA have? Is it enough to reduce bad actors in the way required?
  • Do we need to make crypto and digital currencies more appealing to the average consumer or are the best use cases elsewhere?
Digital Currencies & Crypto
Regulation & Policy

Panel

Could AI win the financial crime battle?
  • What trends are we seeing in the usage of AI for fraud and cyber-crime?
  • How can AI be used to support our most vulnerable customers and proactively get in touch about issues?
  • How can machine learning and synthetic data be leveraged for real-time fraud detection?
Financial Crime & Compliance
Technology, Data & AI
16:10

Panel

Underserved, underbanked, unsupported: Is the industry failing at financial inclusion?
  • The CoL crisis continues to create pressure — what do we need from the regulators? What can the industry do?
  • How do we ensure inclusive access to financial tools?
  • Is payment choice still about cash? Are there more effective routes of access?
  • How can we drive financial literacy and access among the underserved? What needs to be driven by regulation and what responsibility does the private sector have?
Financial Inclusion
Regulation & Policy
Customer Experience

Panel

Blockchain for payments: Has it and can it deliver on its promise?
  • How is blockchain technology intersecting with traditional banking and payments rails? What are the use cases already in play?
  • What steps need to be taken to improve interoperability and scalability? What is the potential for different players to contribute?
Doychin Sakutov, Digital Director, Virgin Media O2
TBA, Senior Representative, Bitso
Digital Currencies & Crypto
Digital Transformation
16:55

End of conference day 1

16:55 – 19:00

PAY360 After Dark

Day 2

08:30

Registration & networking

09:15

Keynotes — Opening remarks

TBA, Senior Representative, The Payments Association

09:20

Morning keynote

09:30

C-Suite Keynote Panel — A payments crystal ball: What will change the industry in the next 24 months?

  • What are the macro trends that we should be watching closely? How are they different region to region?
  • Globally, where is the cutting edge in payments being pioneered? What is exciting on the international stage?
  • How will AI change the future of payments?
  • What is the future of big tech in financial services?

Adam Bealey, Head of Swift UK & Ireland, Swift

Gary Palmer, CEO and Founder, Payall

Pierre-Antoine Vacheron, CEO UK, BPCE Group

Saif Malik, CEO, Standard Chartered UK

Mark Brant, Chief Payments Officer, NatWest Group

Technology, Data & AI
Digital Transformation
10:15

Fintech Pitch Live Winner’s Pitch

10:30

Industry Keynote — The next generation of financial systems infrastructure

  • What is happening on the global stage and what should we be taking from it in the UK?
  • Where are we today with interlinking fast payment infrastructure? What does this mean for potential policy?
  • How do we need to change how we think about interoperability?

Maha El Dimachki, Centre Head, BIS Innovation Hub Singapore

Cross-border payments
Digital Transformation
10:45

Morning networking break

11:10

Choose your session

Track A

The Evolving Threat of Financial Crime
Stream Keynote — Taking the lead: How do we get ahead of fraudsters?
  • Will fraudsters and their technology always be one step ahead? What is needed to shift the balance?
  • What are the growing trends in cyber threats, attacks, and fraud?
  • How can different stakeholders align to better cover the crime lifecycle and how different platforms and journeys interconnect? How much can we achieve voluntarily before we need regulation to step in?
Financial Crime & Compliance

Track B

Next Generation Merchant Payments
Stream Keynote — The ever-changing customer: A macro perspective
  • How are wider technological trends impacting customer expectations?
  • Sustainability continues to be high priority for consumers — is this reflected in payments options?
  • Different cultures, methods, generations — how can organisations keep their options current and streamlined?
TBA, Senior Representative, Discover Global Network
Merchant Payments
Digital Transformation
Customer Experience

Track C

Open Finance
Stream Keynote — Open banking to open finance: How do we get there?
  • Is the current regulatory approach in the UK holding open banking back? How does it compare internationally?
  • What models are working in different markets? How were these achieved?
  • PSD3 is on the horizon — what can we hope to achieve and how to prepare?
Regulation & Policy
Open Banking
11:30

Choose your session

Panel

APP Fraud: Where are we 6 months on?
  • What impacts are we seeing on firms and the payments ecosystem 6 months on?
  • What best practice has emerged? Where do firms still need more clarity?
  • What future legislation can we expect to see from regulators?
  • Are our regulatory processes fit for purpose?

Oliver Hanmer, Head of Supervision and Compliance Monitoring, PSR

Chris McGrath, Head of Department, Market Interventions and Payments, FCA

Financial Crime & Compliance
Regulation & Policy

Panel

The golden opportunity in embedded finance
  • How is embedded finance driving stickiness and loyalty?
  • The playground for Big Tech – what can payments players learn? What avenues could be opened for value?
  • Gen Z as the next generation of payers – what do they expect and what are they looking for in a payments journey?
  • The balance of ease and safety – what does security look like in an embedded world?
Merchant Payments
Digital Transformation
Customer Experience

Panel

Tapping into the smart data stream
  • How do we transition the open data conversation from architecture to real use cases?
  • Do we need to give the consumer more control over what they share and with who? How does GDPR fit in?
  • How are businesses exposing APIs to find new revenue streams?
  • What can data tell us about client bases and how they spend their money?
  • How can we encourage banks and providers to use more uniformity in data and make more categories available for merchant use (like D.O.B)?
Technology, Data & AI
Regulation & Policy
Open Banking
12:15

Choose your session

Spotlight Session

Seamless AND safe: How to insert friction without disruption to the user experience
  • What new methods are there for tailoring the payment process to different levels of friction?
  • How is personalisation influencing security processes like KYC?
  • How can the right friction controls reduce false positives and increase efficiencies?
Financial Crime & Compliance
Financial Inclusion
Customer Experience

Spotlight Session

Experience as a differentiator: Bringing the customer experience alive
  • It’s easy to overload with features – how do you make your customer experience a differentiator?
  • What does the new service model for customers look like?
  • How do you choose what to automate vs where to keep the human touch? How can we know when to offer the right thing at the right time?
  • What can we learn from B2C payments for implementation in the B2B journey?
Merchant Payments
Customer Experience

Spotlight Session

Fulfilling the promise of VRPs
  • When will VRPs actually be ready for mainstream use?
  • What’s the incentive for banks or consumers to use VRPs over other forms of payments?
  • What will uptake do to card schemes?
  • What are the use cases already out there? What’s working?
  • What are the opportunities for increased security?
  • What do regulators need to do next?
Technology, Data & AI
Regulation & Policy
Open Banking
12:35

Lunch

13:20

Choose your session

Panel

Good governance, security, sharing and privacy: Can we have it all?
  • Will the DPDI have the required impact in the UK? What should come next for Smart Data?
    Is there a need for an industry wide data sharing platform? Internationally?
  • Is enough data being shared between organisations and is it the right kind of data to have an impact?
  • How is data and analytics being utilised successfully to pinpoint potential fraud and protect customers?
Nick Maxwell, Head of the Future of Financial Intelligence Sharing Programme, RUSI Centre for Finance and Security
Technology, Data & AI
Regulation & Policy
ESG

Panel

Demystifying payments orchestration
  • What are the use cases for resolving legacy and reducing outage risk?
  • Payments orchestration is growing fast – will it just be another bubble?
  • What is the proposition for sectors that aren’t high risk like gambling?
  • How can payments orchestration support with understanding wider payments trends?
  • How can integration be done with minimal cost?
Merchant Payments
Digital Transformation

Panel

A2A online ecommerce payments: Rule in some markets, die in others
  • Why are A2A online payments working in some regions and not others? What are the best use cases?
  • What are the gaps in the A2A payment offering compared to debit or credit card payments?
  • What makes an appealing customer proposition for using options like Pay By Bank? How do we educate customers?
Technology, Data & AI
Regulation & Policy
Open Banking
14:05

Panel

Are digital identities the solution to stopping fraud?
  • How have evolving threats like AI and deep fakes accelerated the conversations around digital identity?
  • How are the European digital identity plans progressing? Should all countries follow the same path?
  • What are the success stories for digital IDs?
  • What could international interoperability look like?
Financial Crime & Compliance
Financial Inclusion
Regulation & Policy

Panel

Creating a bleeding edge payments stack
  • Getting over the bang for your buck mindset for investment – which payment choices will have an impact on revenue?
  • How do you take an ineffective payments stack and create a good customer proposition?
  • How do you ensure you have the right options for payments resilience?
  • What can be learnt from international examples, e.g. super wallets in Asia or P2P payments in the USA?
Merchant Payments
Customer Experience
14:50

End of conference day 2

15:00

End of PAY360

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When

25th & 26th March 2025

Where

ExCeL, London

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