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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

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?

Hugo Remi, CEO, Cardaq

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

Track B — Delivering Digital Transformation

Stream Keynote — Adapt and evolve: Staying innovative in a changing landscape
  • What will the payments landscape look like in 5 years and how do products need to adapt?
  • Taking products from POC to reality — how do innovative organisations do it?
  • What are best practice processes for integrating old and new technologies?

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

13:30

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
TBA, Senior Representative, Airbnb

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?

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?
14:15

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?

Adam Lowe, Chief Product & Innovation Officer, Arculus

14:35

Afternoon networking break

15:05

Main Track

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
TBA, Senior Representative, Payabl

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

15:50
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

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?
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?
16:55

End of conference day 1

16:55 – 18:00

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 TBA, Senior Representative, NatWest
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
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?

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?

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?
11:30
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?
TBA, Senior Representative, PSR
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?
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)?
12:35

Lunch

13:20

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?
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?
14:50

End of conference day 2

15:00

End of PAY360

   

Day 1 – The Customer 

08:30 

Registration & networking 

 

Keynotes (Track A) 


Chair – Tony Craddock, Director General, The Payments Association  

 09:15

Opening keynote – in conversation with . . .

  • Background to the Future of Payments Review
  • Conclusions about the state of the UK payments industry and how well it is set up for the future
  • Lessons and inspiration from what is happening around the world
  • The community’s response to the Review and HM Treasury’s work on a National Payments Vision
  • A personal vision for payments in the UK

Joe Garner, Former CEO and Advisor, Author of Future of Payments Review

Tony Craddock, Director General, The Payments Association  

 

 09:45

The next generation of UK fintech:
Making a difference in a modern payments world

  • Six decades on from the introduction of the first credit card, what role do organisations like Mastercard play in the future of payments in the UK?
  • The outlook for the Fintech sector – challenges and opportunities for growth and partnership
  • Together, how can we turbocharge the fintech sector, support the economy and drive inclusion?

Darren Deal, Senior Vice President – Fintech, Government & Digital Partnerships, UK&I, Mastercard 

 10:05

Forging the Payments ‘North Star’: Unlocking Opportunities and Growth for UK Prosperity

  • Unpacking the National Payments Vision
    and Strategy through an industry lens.
  • What are the key components of a strong
    Payments Vision? 
  • How do we achieve this target state for
    the future of payments?
  • What benefits does it unlock for
    customers and businesses in the UK? 

Samantha Emery, Director, Payments Industry and Development, Lloyds Banking Group 

10:25

Towards UK’s Payments Excellence: Bridging Vision with Action

 

Sriram Chatty, Vice President & Global Head of Payments, TCS

10:40

Keynote panel discussion: Driving a Tesla on cobbled road – what is the right way to checkout? 

  • How are partnerships driving choice, innovation and impacting the customer experience? 
  • Targeting Gen Z – how are brands adapting to a younger demographic? 
  • Is the noise in payments impacting new checkout innovations? 

 

Moderator: Flavia Alzetta, CEO, NED, Advisor 

Vincent Belloc, Vice President and Managing Director, PayPal UK 

Alexei Jurascheck, Head of Payments Technology, Tui  

Sergio Signoretti, Chief Financial Officer, Lastminute.com

 11.10

Morning networking break 

 

Choose your session 

 11:50

Track A – Building an open future 

Lead stream sponsor – Visa  

Chair – Andrew Churchill, Ambassador, The
Payments Association

Track B – Innovating customer journeys 

Lead stream sponsor – Thredd 

Chair – Mark McMurtrie, Ambassador, The
Payments Association 

Track C – Deep dives  Deep Dive – The potential of embedded finance 

 

  • BaaS vs embedded finance
    – what are the costs-benefits of each model? Where do they differ and
    where do they intersect? 
  • Cross-vertical
    possibilities – how will embedded finance evolve? 
  • How can embedded finance leverage
    Generative AI to deliver results? 

 

Moderator: Laura McCracken, Board
Advisor- Platforms Fintech & Payments

Ishtiaq Ahmed, Global Innovation Lead, Embedded
Lending, HSBC 

Prajval Dsilva, Head of Special
Projects, Allica Bank 

Wasim Mushtaq, Managing Director, 1CG 

 

Tags: Open Banking, Merchant Payments, Technology & Data 

 11:55

Stream Keynote – Delivering
the Best Outcomes for Customers

 

  • How open data can enrich the customer experience and deliver
    the future of payments?
  • How data-driven strategies can enhance the security of the
    network?
  • How, as an ecosystem, we can foster innovation, with the customer
    at the heart?

 

Mandy Lamb, UK
& Ireland Managing Director, Visa

 

Tags: Open Banking, Regulation  

Stream Keynote
– Unlocking B2B payments success by leveraging B2C insights  

  • Unleashing the Power of
    Tech: How are cutting-edge technologies revolutionising the B2C payments
    landscape and setting the stage for an exciting future?
  • B2C to B2B – A Leap
    Forward: How can we harness the dynamic trends of B2C to tackle the
    complex challenges in B2B payments and dramatically enhance the user
    experience?
  • Shaping the Future of B2B
    Payments: What are the game-changing steps that businesses can
    take today to influence the future of B2B payments and make a lasting
    impact? 

Jim McCarthy, CEO, Thredd 

 

Tags: Technology & Data, Merchant Payments 

12:15 – Panel – The open banking to open finance roadmap, and the future for retailers

 

  • The future of VRPs – what
    does the trial offer (and what is missing), how do we move into a phase
    2?
  • What can we learn from
    international adoption of single customer journey solutions like iDEAL,
    PIX?
  • What is needed to make
    open banking the UK work? Do we need a scheme?

 

Moderator: David Parker, Lead Ambassador, The
Payments Association 

Hannah Regan, Financial Policy Lead, British Retail Consortium 

Andrew Self, Senior Policy
Manager, Payment Systems Regulator 

Hayley Viner, Director of Payments, Zopa Bank 

Jana Reid, Banks and Industry Strategic Partnerships, TrueLayer

 

Tags: Open Banking, Regulation 

12: 20 – Panel – From start to finish – Are we designing inclusive payments journeys?  

  • How does the design
    process need to change to promote access and decrease exclusion to financial
    products?  
  • Are we placing too much
    trust in infrastructure/regulation to solve inclusion
    issues?  
  • How can we ensure
    technology is an equaliser, not a barrier? 

 

Moderator: Mark O’Keefe, Ambassador, The
Payments Association 

Parvinder Dahri-Cooper, Board member &
Advisor, Ex Uber, Worldpay, EY, Visa 

Kamal Hasanov, CEO, Guavapay  

Peter Theunis, SVP Europe, BPC

Dr Chris Bailey Senior Accessibility Manager, HSBC

 

Tags: Financial Inclusion, ESG, Technology & Data 

 

 13:00

Lunch 

 14:00

 

Fireside chat – Future-proofing
CX: Balancing costs and optimising performance 

 

  • Which elements does the
    future-proofing of customer
    experience rest on – AI and analytics, scalability, multi-channel?
  • With rising costs and
    reduced budgets, what can be
    done to balance profitability whilst still delivering a strong customer
    experience?
  • Onshore vs offshore,
    inhouse vs outsourcing – pros, cons and trends in utilisation

 

Moderator: Nadia Edwards-Dashti, Chief Customer Officer, Harrington Starr 

Sagar Rajgopal, President & Chief Customer Officer, Ubiquity

Eleni Vlami, Head of Growth, Pleo.io

 

Tags: Technology & Data 

Deep Dive – ESG 101: Why isn’t the industry making an impact? 

  • The importance of differentiating
    ‘What you do’ vs ‘How you do it’ 
  • How can organisations
    can create real impact in and avoid ‘greenwashing’
  • What is solvable now and
    why aren’t we doing it?
  • Connecting the E, S and G
    in your strategy

 

Moderator: Angela Yore, Managing Director, Sky
Parlour 

Philippa Martinelli, Global Fintech and Innovation Advisor & Investor

Joanne Dewar, NED, CEO, Chair

Francesca Brown, Global Director of Policy, Women’s World Banking

Joel Blake OBE, Founder, GFA Exchange

Richard Theodossiades, Co-Founder & CEO, Zero

Tags: ESG, Financial Inclusion, Regulation

 

14:15 – Panel – Driving merchant
adoption of open banking   

 

  • What should the dispute
    process look like to help balance responsibility? 
  • How can open banking be
    optimised to increase acceptance rates and reduce acceptance costs for
    merchants? 
  • What does a successful implementation
    of open banking look like at a merchant level? 

 

Moderator: Helen Child, Founder, Open
Banking Excellence 

Heather Xiao, Open Banking Expert 

David Cox, Payments Strategy
Lead, Virgin Media O2 

Mike Elliff, CEO, Payit by NatWest 

Ian Morrin, Head of Payments & Platforms, Tink 

Stephen Winyard, Director, Salt Edge

 

Tags: Open Banking, Merchant Payments  

14:25 – Panel – The right level of friction: balancing experience and safety 

 

  • How can businesses create
    the right level of friction, without impacting on customer
    experience? 
  • What does best practice
    look like for merchants in preventing fraud?  
  • What initiatives can your
    business implement to educate the consumer? 

 

Moderator: Mark McMurtrie, Ambassador, The
Payments Association 

Tulsi Narayan, Senior Vice President, Security
Solutions and Processing,
Mastercard

Stephen Adams, Senior Fraud and Compliance Manager, Confused.com 

Ed Metzger, Vice President, Market
Planning Payments Efficiency, LexisNexis® Risk Solutions

Mitch Trehan, Chief
Compliance Officer, Allica Bank

 

Tags: Merchant Payments, Financial Crime, Financial Inclusion 

 15:05

Fireside – The future
of Non-Sweeping VRPS – How do we unlock their full potential? 

 

  • What are the current market challenges hindering adoption? 
  • What value has been found so far, including end-user customer benefit? 
  • What could be next for VRPs? Will they overtake direct debits?  

 

Moderator: Euan Ballantyne, Head of Product, Pay.uk

Kate Fitzgerald, Head of Policy, Payment Systems Regulator 

Andy Sacre, Head of Payments, Monzo 

 

Tags: Open Banking 

 

Fireside – A National Payments
Strategy that Solves for Scams?  What can we Learn from Australia?

  • How did Australia develop
    its national
    strategic plan for payments?
  • What problems did that
    solve and what’s the
    governance of the strategy moving forward?
  • How is Australia thinking
    about combatting APP
    scams?  What strategies is it using to ensure collaboration and
    equivalence across the scam lifecycle?
  • Is it working?  How
    does that differ to
    the UK and why?
  • In a complex scam
    lifecycle, where should
    responsibility lie?  What does that mean for consumers and
    businesses? 

 

Moderator: Tony Craddock, Director General, The Payments Association

Andy White, Chief Executive Officer, AusPayNet

 

Tags: Merchant Payments, Technology & Data

 15:30

Afternoon Networking Break 

 15:55

Spotlight session – Where do we go with the future of Open Finance?

  • Exploring the key findings
    of the
    CFIT report into the Open Finance coalition
  • Do open finance plans
    need to do more to support consumers and small businesses?
  • The role of the fintech
    industry in
    shaping the future of the UK economy  

Ezechi Britton, CEO, The
Centre for Finance, Innovation & Technology (CFIT)

Tags: Regulation,
Technology & Data, Open Banking

Chair – Simon Hunt, Business & Technology Correspondent, Evening Standard

Deep Dive – Stablecoins and CBDCs – what will be their impact on the
payments industry? 

  • What is next after the
    Bank of England consultation? 
  • What are the concerns
    about CBDCs and how are they being addressed? 
  • What will be the role of
    payments intermediaries in the CBDC world? 

 

Moderator: Ryan Browne, Technology Correspondent, CNBC

Nilixa Devlukia, Ambassador, The
Payments Association 

William Lovell, Head of Future Technology, Bank of
England 

Lee McNabb, Head of Payments Strategy
& Research, NatWest 

Paul Horlock, Chief Payments
Officer, Santander

 

Tags: Digital Currencies & Crypto, Regulation, Technology &
Data 

 

 

 

 

 

 

Spotlight session – Optimising the digital customer journey: What is really moving the
dial?  

  • Where does payments fit
    in with the customer journey? What inspiration can the payments industry
    take from other sectors?  
  • How can design principles
    be used to improve the customer journey? 
  • What does truly inclusive
    design look like? How can we ensure digital access? 

 

Ed Kilbane, Head of Merchant
Experience, Trust Payments  

 

Tags: Merchant Payments, Financial Inclusion 

 16:20

Panel – Digital identity: who should own Customer trust? 

 

  • Who do customers trust
    with their data and why? Who is already the custodian of their data and
    how much? 
  •  Who should be
    trusted to own this data and what role should regulation
    play?  
  • What opportunities would
    digital identity open for combatting challenges like fraud, and creating
    opportunities for seamless experiences? 
  • How can lessons across
    Europe accelerate the global adoption of a customer-centric approach to
    identity? 

 

Moderator: Akila Quinio, Banking & Fintech Reporter, Financial Times

Phillip Mind, Director, Digital Technology
& Innovation, UK Finance 

Stacey Wilkinson, API Growth Manager, Bank of APIs (NatWest)

Dac Nguyen, Corporate
Commercialisation Payments Product, Lloyds Banking Group

Rob Kotlarz, Co-Founder & President, OneID

Tags: Technology & Data, Open Banking, Financial Crime, Regulation,
Digital Currencies & Crypto 

Panel – Empowering merchants through payments orchestration 

 

  • Can one partner really do
    it all? What are merchants looking for in offerings from vendors? 
  • What are the
    costs-benefits vs other models? How can payments orchestration increase
    resilience and acceptance rates? 
  • How can these tools help
    drive experiences in loyalty, reward, engagement? 

 

Moderator: Andrew Doukanaris, Ambassador, The
Payments Association 

Chris McKarkiel,
Director of Global Payments & Fraud Prevention, Subway 

Olga Gunchenkova, Associate
Director Payments Strategy, Flutter International

John Mozie, Card Systems Manager, Valero Energy

Robert Lincolne, Founder & CEO, Paydock

 

Tags: Merchant Payments 

 17:00

Day End 

 

Day 2 – The Business 

 08:30

Registration & networking 

 

Keynotes (Track A) 

 09:30

Welcome remarks  

Teresa Connors, Ambassador, The Payments Association  

 09:35

Opening keynote 

John Penrose, Member of Parliament

 09:45

Panel – A glimpse into the payments crystal ball  

  • Who will be the winners and losers in the future payments ecosystem? 
  • How are partnerships and collaborations between banks and fintechs evolving? 

Moderator: Teresa Connors, Ambassador, The Payments Association 

Jenni Himberg-Wild, Managing Director, Head of Financial Institutions & Fintech Europe, International Corporate Banking (CIB), Barclays 

Saira Khan, Head of Innovation & Partnerships, First Direct Bank 

Adam Bealey, Head of SWIFT UK & Ireland, SWIFT 

Jessica Richards, Head of Performance and Business Management, NatWest Payments, NatWest Group 

Natasha Zurnamer, CEO & Founder, Optty

 10:25

Keynote – The PSR’s priorities in 2024 and beyond 

Chris Hemsley, Managing director, Payment Systems Regulator 

 10:40

The Fintech’s Pitch Live Winner Announcement  

 Benjamin Dessy, Senior Vice President – Product Management, Mastercard

 10:55

Panel – Payments’ next giant leap – How is policy keeping pace in a fast-moving sector? 

  • How are policymakers and
    payment operators addressing the disparate set of frictions in cross border
    payments and how are innovations in payments facilitating
    improvements? 
  • What are the most
    impactful developments in the payments world at this time, and how can we
    take advantage of them? 
  • From open banking to open
    finance – how will this drive financial inclusion, innovation and
    consumer empowerment? 

 

Moderator: Riccardo Tordera Ricchi, Head of Policy & Government Relations, The Payments Association 

Victoria Cleland, Executive Director Payments, Bank of England 

Marcel Haag, Director for Horizontal policies at the Directorate-General for Financial Stability, Financial Services and Capital
Markets Union, European Commission  

Henk Van Hulle, CEO, Open Banking 

11:25

Regulations are changing: It is time to put the fraudsters on notice

  • In this era of regulatory transformation, we stand united. Let’s not merely adapt; let’s lead the charge.
  • Fraudsters, consider this your final warning: The rules have changed, and we’re watching.
  • Learn how to get your fraud teams ready and turn the tables on fraudsters, scammers, and mules.

Jackie Barwell, Director – Fraud Product Management, ACI Worldwide

 11:35

Morning networking break 

 

Choose your session 

 12:05

Track A – The evolving ecosystem 

Lead stream sponsor –
Discover 

Chair: Andrew Doukanaris, Ambassador, The
Payments Association 

Track B – Transformative technologies 

Lead stream sponsor –
Eqwire 

Chair:  Mark Goldspink, Ambassador, The
Payments Association 

Track C – Deep dives 

Lead stream sponsor – IFX 

Deep Dive
– Cross-border and real time money movement – Can we ever go truly
global? 

 

  • How are different
    international regulations impacting the development of cross-border
    instant payments? 
  • The pain points are well
    established – what is being done to solve them? 
  • What drives the future of
    payments – innovation or regulation? How can businesses navigate around
    challenges like APP fraud and manage ‘higher risk’ transactions like
    cross-border payments?

 

Moderator: Will Marwick, Chief Executive
Officer, IFX 

Colin Digby, Global Head, Strategic
Client Coverage Group, Crown Agents Bank

Judith Rinearson, Cross-border Working Group Member &
Partner, K&L Gates 

Bhavna Saraf, Head of Payments Products
& Propositions, Santander

Giscard Azizi, Head of Global Money – Transaction Banking, HSBC

Richard Wazacz, CEO, Travelex

 

Tags: Digital Currencies & Crypto, Regulation, Cross-Border 

 12:10

Stream Keynote – Third Time lucky?: What to expect with PSD3 

 

  • What were the shortfalls
    of PSD1 and 2? How should PSD3 improve on them? 
  • What will be the implications
    for the UK, outside of the European Union? 

 

Tribh Grewal, Head of AltPay, FinTech
& Commercial Solutions, Discover 

 

Tags: Regulation, Open Banking 

Stream Keynote – The Future of Payments:
The 2 sides of the coin – Crypto and FIAT?

 

  • The core challenges that
    small to medium sized
    businesses are facing in the UK and EEA markets.
  • How to grow your business
    with digital payments
  •  Crypto payment
    processing and how it works in practice.

Andrew Matushkin, Head of Global Business Development, B2BinPay

Tags: Digital Currencies & Crypto, Regulation 

 12:35

Panel – The busy road ahead – balancing the drive of regulation and innovation 

  • What’s next in the
    regulation roadmap? What should we expect from upcoming updates like the
    New Financial Services Act 
  • Are upcoming regulation
    plans too congested? Where should we focus for better alignment for best
    outcomes and use of resource?  
  • How can we ensure all
    voices in the payments industry are heard in these discussions, creating
    a holistic approach to regulation? 
  • How can we ensure the UK
    maintains the balance of innovation and protections, compliance and
    leveraging new technologies? 

 

Moderator: Tony Craddock, Director General, The
Payments Association

Andrew Churchill, Ambassador, The
Payments Association

Betsy Dorudi, Head of Public Policy, ClearBank

Rory Tanner, Head of UK Government Affairs
& Public Policy, Revolut

Matthijs Boon, Group COO, Equals Money

Barry Parker, CIO- Payments, Cards & ATMS, Santander

 

Tags: Regulation  

 

Panel – Crypto beyond the rails  

 

  • How could traditional payments and crypto merge?  
  • What use cases are being developed beyond normal rails? How could crypto be used in verticals such as gaming? 
  • What are the cross-border possibilities? 

 

Moderator: Riccardo Tordera Ricchi, Head of Policy & Government Relations, The Payments Association 

Nick Davey, Payment Specialist, Payment
Systems Regulator 

Dr Lisa Cameron, MP 

Marta Requeijo, Chief Compliance Officer
& MLRO, BVNK 

Julian Buhagiar, General Partner, Yolo
Group and Yolo Investments

Vytautas Karalevičius, Co-Founder, Bankera
and Spectrocoin

 

Tags: Digital Currencies & Crypto, Cross-Border, Merchant Payments 

 13:15

Lunch 

 14:00

Spotlight session – Will cross-border payments ever be
easy?

  •  What are the trends
    shaping the future of cross-border payments in 2024?
  • How can the industry
    address the challenges emerging, like changing customer expectations,
    and regulations?
  • What is the way forward
    to simplify and innovate cross-border payments?

 

David Backshall, VP – Payments, TerraPay

 

Tags: Regulation, Merchant Payments 

 

Spotlight session – The rise of AI – how do we maintain trust across the payments
ecosystem

 

  • As we look to the future
    of payments, emerging technologies are playing a central
    role.  AI is increasingly discussed as potentially being truly
    transformational, with opportunities to improve how we manage risk,
    drive
    efficiency and provide more seamless, personalised experiences. 
  • However, it is critical
    that individuals and businesses continue to have trust in the
    payments ecosystem that acts as the connective tissue of commerce. 
    So, as
    we explore the myriad of opportunities presented by AI, trust in AI will
    be
    intrinsically tied to trust in the overall system. 
  • We will discuss the
    challenges of maintaining trust in AI, from data privacy and model bias
    to the education needed to cut through hyperbolic
    narrative. 

 

Suchitra Nair, Partner, Deloitte EMEA Centre for Regulatory Strategy, Deloitte

 

Tags: Financial Inclusion, ESG, Technology & Data  

Deep Dive – In
Conversation with the FCA 

Moderator: Mike
Chambers, Ambassador, The
Payments Association

Laura Dawes, Director of
Authorisations, Financial Conduct Authority 

Nicholas Webb,
Manager, Market Interventions – Payments, Financial Conduct Authority

Victoria McLoughlin,
Head of Market Interventions – Digital Assets, Financial Conduct Authority

 

 

Tags: Regulation 

 14:25

Panel – Stronger together: Collaboration as the key to fighting financial crime 

 

  • Is the regulator driven
    approach to financial crime working?  
  • How can data sharing help
    combat fraud and financial crime? 
  • Where should
    responsibility lie along the chain? Do some actors need to take more
    accountability?  

 

Moderator: Jane Jee, Ambassador, The
Payments Association 

Claire Simpson, Senior Policy
Manger, Payment Systems Regulator 

Angela Maguire, Manager – Agency, Refunds
and Chargebacks, Virgin Atlantic Airways

Kevin Flood, Director, FIS Payments Ecosystem Strategy, Corporate and International
Banking, FIS Global

Michael Hammond, Fraud Product Owner, Pay.uk

 

Tags: Financial Crime, Technology & Data  

Panel – How will AI shape the future of payments? 

 

  • What are the real-life
    uses cases for generative AI and what has been achieved so
    far?  
  • How is the regulatory landscape
    changing? In the US restrictions are already in place – what will this
    do for European development?  
  • How will the further
    development of AI capabilities change the payments industry? 

 

Moderator: Mark Goldspink, Ambassador, The
Payments Association 

Saira Khan, Head of Innovation &
Partnerships, First Direct Bank 

Marcus Martinez, Industry Advisor, EMEA,
Worldwide Financial Services, Microsoft 

Jovi Overo, Director and Member of the
Board, Unlimit

 

Tags: Technology & Data, Regulation 

 15:00

Day End 
Register Now
Organised by The Payments Association. © Copyright 2024 PAY360. All Rights Reserved.

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When

25th & 26th March 2025

Where

ExCeL, London

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