PAY360 2024 Agenda


Day 1 – The Customer 


Registration & networking 


Keynotes (Track A) 

Chair – Tony Craddock, Director General, The Payments Association  


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  



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 DealSenior Vice President – Fintech, Government & Digital Partnerships, UK&I, Mastercard 


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 EmeryDirector, Payments Industry and DevelopmentLloyds Banking Group 


Towards UK’s Payments Excellence: Bridging Vision with Action


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


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 AlzettaCEO, NED, Advisor 

Vincent BellocVice President and Managing Director, PayPal UK 

Alexei JurascheckHead of Payments Technology, Tui  

Sergio SignorettiChief Financial Officer,


Morning networking break 


Choose your session 


Track A – Building an open future 

Lead stream sponsor – Visa  

Chair – Andrew ChurchillAmbassador, The
Payments Association

Track B – Innovating customer journeys 

Lead stream sponsor – Thredd 

Chair – Mark McMurtrieAmbassador, 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 McCrackenBoard
Advisor- Platforms Fintech & Payments

Ishtiaq Ahmed, Global Innovation Lead, Embedded
Lending, HSBC 

Prajval DsilvaHead of Special
Projects, Allica Bank 

Wasim MushtaqManaging Director, 1CG 


Tags: Open Banking, Merchant Payments, Technology & Data 


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
  • 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
  • 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

Jim McCarthyCEO, 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
  • What can we learn from
    international adoption of single customer journey solutions like iDEAL,
  • What is needed to make
    open banking the UK work? Do we need a scheme?


Moderator: David ParkerLead Ambassador, The
Payments Association

Hannah Regan, Financial Policy Lead, British Retail Consortium 

Andrew SelfSenior Policy
Manager, Payment Systems Regulator 

Hayley VinerDirector 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
  • Are we placing too much
    trust in infrastructure/regulation to solve inclusion
  • How can we ensure
    technology is an equaliser, not a barrier? 


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

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

Kamal HasanovCEO, Guavapay  

Peter TheunisSVP Europe, BPC

Dr Chris Bailey Senior Accessibility Manager, HSBC


Tags: Financial Inclusion, ESG, Technology & Data 






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
  • Onshore vs offshore,
    inhouse vs outsourcing – pros, cons and trends in utilisation


Moderator: Nadia Edwards-DashtiChief Customer Officer, Harrington Starr 

Sagar RajgopalPresident & Chief Customer Officer, Ubiquity

Eleni Vlami, Head of Growth,


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 YoreManaging Director, Sky

Philippa Martinelli, Global Fintech and Innovation Advisor & Investor

Joanne DewarNED, 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
  • What does a successful implementation
    of open banking look like at a merchant level? 


Moderator: Helen ChildFounder, Open
Banking Excellence

Heather XiaoOpen Banking Expert 

David CoxPayments 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
  • What does best practice
    look like for merchants in preventing fraud?  
  • What initiatives can your
    business implement to educate the consumer? 


Moderator: Mark McMurtrieAmbassador, The
Payments Association

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

Stephen Adams, Senior Fraud and Compliance Manager, 

Ed MetzgerVice President, Market
Planning Payments Efficiency, LexisNexis® Risk Solutions

Mitch Trehan, Chief
Compliance Officer, Allica Bank


Tags: Merchant Payments, Financial Crime, Financial Inclusion 


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 BallantyneHead of Product,

Kate FitzgeraldHead of Policy, Payment Systems Regulator 

Andy SacreHead 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


Moderator: Tony Craddock, Director General, The Payments Association

Andy White, Chief Executive Officer, AusPayNet


Tags: Merchant Payments, Technology & Data


Afternoon Networking Break 


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 BrittonCEO, 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 BrowneTechnology Correspondent, CNBC

Nilixa DevlukiaAmbassador, The
Payments Association

William Lovell, Head of Future Technology, Bank of

Lee McNabbHead of Payments Strategy
& Research, NatWest 

Paul HorlockChief Payments
Officer, Santander


Tags: Digital Currencies & Crypto, Regulation, Technology &







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

  • 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 KilbaneHead of Merchant
Experience, Trust Payments  


Tags: Merchant Payments, Financial Inclusion 


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
  • 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


Moderator: Akila QuinioBanking & Fintech Reporter, Financial Times

Phillip MindDirector, Digital Technology
& Innovation, UK Finance 

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

Dac NguyenCorporate
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 DoukanarisAmbassador, The
Payments Association

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

Olga GunchenkovaAssociate
Director Payments Strategy, Flutter International

John Mozie, Card Systems Manager, Valero Energy

Robert Lincolne, Founder & CEO, Paydock


Tags: Merchant Payments 


Day End 


Day 2 – The Business 


Registration & networking 


Keynotes (Track A) 


Welcome remarks  

Teresa ConnorsAmbassador, The Payments Association  


Opening keynote 

John PenroseMember of Parliament


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 ConnorsAmbassador, The Payments Association 

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

Saira KhanHead of Innovation & Partnerships, First Direct Bank 

Adam BealeyHead of SWIFT UK & Ireland, SWIFT 

Jessica RichardsHead of Performance and Business Management, NatWest Payments, NatWest Group 

Natasha ZurnamerCEO & Founder, Optty


Keynote – The PSR’s priorities in 2024 and beyond 

Chris Hemsley, Managing director, Payment Systems Regulator 


The Fintech’s Pitch Live Winner Announcement  

 Benjamin DessySenior Vice President – Product Management, Mastercard


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
  • 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 RicchiHead of Policy & Government Relations, The Payments Association 

Victoria ClelandExecutive 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 


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


Morning networking break 


Choose your session 


Track A – The evolving ecosystem 

Lead stream sponsor –

Chair: Andrew DoukanarisAmbassador, The
Payments Association

Track B – Transformative technologies 

Lead stream sponsor –

Chair:  Mark GoldspinkAmbassador, 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


  • 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 DigbyGlobal Head, Strategic
Client Coverage Group, Crown Agents Bank

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

Bhavna SarafHead 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 


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 GrewalHead 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 


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 ChurchillAmbassador, The
Payments Association

Betsy DorudiHead of Public Policy, ClearBank

Rory TannerHead of UK Government Affairs
& Public Policy, Revolut

Matthijs BoonGroup COO, Equals Money

Barry ParkerCIO- 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 RicchiHead of Policy & Government Relations, The Payments Association 

Nick DaveyPayment Specialist, Payment
Systems Regulator

Dr Lisa CameronMP 

Marta RequeijoChief Compliance Officer

Julian BuhagiarGeneral Partner, Yolo
Group and Yolo Investments

Vytautas KaralevičiusCo-Founder, Bankera
and Spectrocoin


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




Spotlight session – Will cross-border payments ever be

  •  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


  • 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,
    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
    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


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
, Ambassador, The
Payments Association

Laura DawesDirector 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 


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


Moderator: Jane JeeAmbassador, The
Payments Association

Claire SimpsonSenior Policy
Manger, Payment Systems Regulator 

Angela MaguireManager – 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,


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
  • 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 GoldspinkAmbassador, The
Payments Association

Saira KhanHead of Innovation &
Partnerships, First Direct Bank 

Marcus MartinezIndustry Advisor, EMEA,
Worldwide Financial Services, Microsoft 

Jovi OveroDirector and Member of the
Board, Unlimit


Tags: Technology & Data, Regulation 


Day End 

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