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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

Tony Craddock, Director General, The Payments Association
09:00

Opening keynote — Leadership, adaptability and innovation in a modern world

09:30

The role of the payments industry in the UK economy: helping position for growth

Simon Forbes, President, UK&I, Mastercard
09:50

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 David Geale, Managing Director, PSR Carolin Gardner, Head of AML/CFT Unit, EBA
Financial Crime & Compliance Regulation & Policy
10:30

Morning networking break

11:00

Fireside Chat – Cooperation, innovation and competition: Regulatory priorities for the industry

  • How does the FCA and PSR intend to coordinate and cooperate following the National Payments Vision?
  • What does the FCA and PSR see as the future of payments? Innovation and competition have been highlighted as priorities for the government – what does this mean in practice and how will the FCA and PSR support this?
  • What are the planned regulatory developments for the next 2 years?
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 Helen Bierton, Everyday Banking Director, Lloyds Banking Group
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?
Sara Cass, Chief Compliance Officer, IFX Payments Anastasia Evans, General Counsel & Company Secretary, IFX Payments
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 — UX2030: Convergence in a Digital World
Imagine a world where payments aren’t just seamless, but intelligent, personal, and dynamic. This keynote session will explore game-changing trends in commerce, uncover what the convergence of identity, embedded intelligence, hyper-personalisation (and more) will mean for experiences of tomorrow, and highlight tangible ways businesses can set themselves up for success in the run up to 2030 and beyond. Mathieu Altwegg, Senior Vice President, Head of Product & Solutions, Europe, 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 Paul Horlock, Chief Payments Officer, Santander Samantha Emery, Director Payments Industry & Development, Lloyds Bank Rebecca Hickman, Partner, Addleshaw Goddard
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?
Danielle Anthony, Technology Platform Lead, Lloyds Banking Group
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?
Fiennes Deavey, Group Head of Payments, Kingfisher
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 – Financial inclusion: Empowering people, boosting businesses
  • Understanding the scale of financial exclusion from a global perspective and the digital divide. What are the potential opportunities?
  • What role should technology play in bridging the gap? What solutions are already having an impact on financial democratisation?
  • Building the business case for engaging with the non-banked population – what strategic advantages and opportunities are being missed?
Technology, Data & AI ESG
14:35

Choose your session (or Afternoon Networking Break)

Track A — In Conversation with Luke Charters MP: Payments in Parliament – priorities and plans

Riccardo Tordera Ricchi, Director of Policy & Government Relations, The Payments Association (Moderator)

Luke Charters, Labour Member of Parliament
Regulation & Policy

Track B — Afternoon Networking break

Track C — 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 Simon Eacott, Head of Payments, NatWest Group
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?
Jenni Himberg-Wild, Managing Director, Head of Financial Institutions & Fintech, Barclays (Moderator) Maha El Dimachki, Centre Head, BIS Innovation Hub Singapore Diana Carrasco, Head of Digital Pound, Bank of England Ian Taylor, Board Member, CryptoUK Nick Kerrigan, Managing Director, Swift
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?
Mark O’Keefe, Ambassador, The Payments Association (Moderator) Ian Cheng, Enterprise Digital Strategy Lead, Jaguar Land Rover Emma Verhagen, Global IT Director, Unilever Vytautas Karalevicius, Co-founder, Bankera Prashant Jajodia, UK & Ireland Financial Services Sector Leader, IBM Consulting
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?
Viktor Lysyuk, Vice President – IMT – Europe, Terrapay
Technology, Data & AI Financial Inclusion

Spotlight Session

Reviewing access to the UK’s Real Time Gross Settlement system
Victoria Cleland, Executive Director of Payments, Bank of England
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?
Alona Shevtsova, CEO/Director, Sends
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?
Digital Currencies & Crypto Digital Transformation
16:55

End of conference day 1

16:55 – 19:00

PAY360 After Hours

Day 2

 
 
09:10

Keynote – The future of payments in the UK

Mark Garnier OBE, Shadow Economic Secretary, Treasury

09:20

Special Announcement

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

Saif Malik, CEO, Standard Chartered UK

Ian Povey, CIO Payments Technology, NatWest Banking 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?
Merchant Payments
Digital Transformation
Customer Experience

Track C

Unlocking Open Finance
 
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

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

Richard Luff, Vice President Product Development, Mastercard

John Hutton, Global Head of Payments, LexisNexis Risk Solutions

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 secure: How passkeys can improve your customer experience with just a tap 

  • How can passkeys work with AI tools to help secure customer’s data?
  • How can fintechs and banks secure customer’s digital assets and give them a better user experience?
  • How can banks and fintechs reduce false positives and approve high value transactions with a simple tap to authenticate payment card solution?
Financial Crime & Compliance
Financial Inclusion
Customer Experience

Spotlight Session

Payments 3.0: Innovation, Security, and the Next Evolution of Banking
  • How can banks embrace cutting-edge payment methods while mitigating risks?
  • What are the key innovations shaping the future of card issuing and A2A payments?
  • How do we navigate the evolving landscape of fraud prevention and security challenges?
  • What role does AI play in enhancing security and user experience in payments?
  • How can banks balance the need for speed with the imperative of trust in the payments ecosystem?

Anders Olofsson, Head of Payments Sales, Tietoevry Banking

James Johansen, Lead Service Architect Card Issuing, Tietoevry Banking
John Erik Setsaas, Director of Innovation, Tietoevry Banking

Merchant Payments
Customer Experience

Spotlight Session

Report Launch: The future is open: Navigating the next phase of open banking

Join us to launch a report by Alvarez & Marsal, covering the implications of the Data Bill, the next phase of opportunities in open banking, and unlocking its full potential.

Richard Koch, Head of Payments Policy, Open Banking Ltd (Moderator)

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?

Janusz Diemko, Founder, JD Consulting

Andrew Churchill, Ambassador, The Payments Association

Pallavi Kapale, Senior Financial Crime Officer, Bank of China

Sandra Peaston, Director of R&D, Cifas

David Kershaw, Head of Payment Operations & Assurance, Transport for London

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?

Mark McMurtrie, Ambassador, The Payments Association

Robert Kulawik, Chief Technology Officer, Everything5pounds.com

Moshe Winegarten, Chief Revenue Officer, Ecommpay

Jonathan Hughes, Partner & Managing Director, Alix Partners

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?

Daniel Saliba, Ambassador, The Payments Association (Moderator)

Lee McNabb, Head of Payments Strategy & Partnerships, NatWest Group

 
 
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?

Andrew busby, Senior Industry Advisor, BOXTEC (moderator)

Kyle Monk, CEO, Institute of Commerce

Antonio Soares, Head of Business Development, Worldline Financial Services

Rahul Verma, Senior Product Manager, Booking.com

Boyuan Wu, Manager, Account Management SME & Growth, Airwallex

Subramaniam Sundaram, Head of Solutions Management, Pismo 

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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