The Conversations Shaping Payments in 2027

The PAY360 conference is built around the questions shaping payments now and the decisions businesses need to make next.

Across two days, leaders from across the payments ecosystem will share practical insight, challenge established thinking and examine where the market is making real progress.

 


 

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2027 Conference Themes

digital money

Beyond the Token: The Future of Digital Money

Explore how stablecoins, tokenisation and digital assets are moving beyond experimentation to reshape the future of payments and financial infrastructure. 

  • Assess how stablecoins and tokenised payments could transform settlement, cross-border payments and the way money moves globally. 

  • Navigate the commercial opportunities and challenges of scaling digital money, from interoperability and regulation to trust and security. 

  • Explore how fintechs, payment networks and financial institutions are positioning themselves in the race to build the next generation of payment infrastructure.

customer trust

The Payment Experience Paradox: How to Win or Lose Customer Trust 

Explore how organisations can create seamless payment experiences while building trust, reducing friction and meeting rising customer expectations. 

  • Analyse how speed, convenience, security and personalisation are becoming critical differentiators across the payment journey. 

  • Evaluate how businesses are balancing frictionless experiences with fraud prevention, compliance and customer protection. 

  • Uncover how embedded payments, digital wallets and new payment models are reshaping who owns the customer relationship of the future.

agentic commerce image

Agentic Commerce: When AI Takes the Wheel

Explore how AI and autonomous systems are transforming commerce, creating new opportunities and challenges across the payment ecosystem. 

  • See how organisations are moving from AI experimentation to real-world applications, enabling smarter and more automated payment experiences. 

  • Address the technology, infrastructure and operational challenges involved in deploying agent-led transactions at scale. 

  • Consider how businesses are tackling trust, security, identity and accountability as AI begins making decisions on behalf of customers.

open finance & open banking image

Open Finance & Open Banking: Unlocking the Next Payments Revolution

Explore how Open Banking is evolving into Open Finance, creating new opportunities for data sharing, account-to-account payments and financial innovation. 

  • Identify the barriers limiting adoption, from consumer engagement and commercial incentives to interoperability and data access. 

  • Highlight how banks, fintechs, merchants and payment providers are moving beyond collaboration to create measurable customer value. 

  • Map what needs to happen for Open Finance to become a scalable, trusted and everyday part of the payments ecosystem. 

cross-border payments image

Transforming Cross-Border Payments: Turning Global Ambition into Industry Action

Investigate how the payments industry is working towards faster, cheaper and more transparent global money movement. 

  • Explore how global initiatives, emerging technologies and evolving payment infrastructure are reshaping cross-border payments. 

  • Address how businesses are overcoming challenges around fragmentation, cost, compliance and complexity to enable seamless international transactions. 

  • Consider how interoperability, AI and new payment technologies could unlock a more connected and inclusive global payments ecosystem. 

payment infrastructure image

Building the Future Payments Infrastructure: Rails, Networks & Interoperability

Explore how the next generation of payments is being built through modern architecture, connected networks and more interoperable payment ecosystems. 

  • Examine how organisations are modernising legacy infrastructure, upgrading payment rails and adapting to the demands of real-time, data-rich payments. 

  • Reveal how interoperability across networks, domestic payment systems and emerging technologies will shape the future of global payments. 

  • Balance how businesses are managing innovation, resilience and scalability while building the infrastructure needed for the next decade of payments. 

2027 Speakers Include:

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