DAY ONE 

1000 

How to get investment: The future of Fintech in the UK  

Hear from experienced fintech investors and entrepreneurs on what they look for in a market that’s fast moving, saturated and cutthroat but also full of opportunity. As a founder, what do you need to do to stand out? What’s the state of investment in the UK?  

1025 

When Payments Meet Choice: How Gift Cards Are Becoming a Core Financial Product 

Payments are evolving fast. Open banking, real-time data, and new reward mechanics are changing how consumers pay, save, and spend. Gift cards now sit at the center of this shift, moving beyond gifting into everyday, self-use payments. 

This panel brings together fintech, retail, and industry leadership to explore how open banking data and cashback are driving real-time gift card usage, and why this matters for the future of payments. 

Moderated by Tillo, the session will unpack how data-led cashback apps are using open banking insights to trigger gift card purchases at the right moment, how retailers benefit from this behavior, and what the rise of self-use means for the wider payments ecosystem. 
Gift cards as a payment method, not a perk. Gift cards are increasingly used like cash, especially when digital top-up is enabled at major retailers such as Tesco. 
 

• Open banking data in action. How Cheddar uses open banking data to understand spending behavior and surface gift card offers at the point of highest relevance. 
   

• Cashback, instantly. Why gift cards enable instant cashback and better unit economics compared to traditional cashback models. 
   

• The rise of self-use. Insights from GCVA data on self-use as a dominant growth driver in the gift card market, and why payments and fintech leaders should care. 
   

• What this means for payments leaders. How fintechs, banks, and payment providers can use gift cards to increase engagement, reduce costs, and unlock new revenue streams. 

(Moderator) David Wall, Chief Commercial Officer, Tillo 

Marc Blake, Senior Manager, Gift Cards (3rd Party & Tesco), Tesco 

Hannah Shimko, Managing Director, Gift Card & Voucher Association (GCVA) 

Luke Ladyman, Co-founder, Cheddar 

1050 

Wallets, Super-Apps, and the Rise of Embedded Finance in the UK 

• How are digital wallets evolving from simple payment tools into hubs for identity, loyalty, credit, and money management? What can we learn from Asian Super-Apps?  

• What does that shift mean for customer engagement and competition and the future of embedded finance in the UK? 

(Moderator) Anton Kornilov, Payments Expert   

Claire Gates, Global Head of Payments & Solutions, Crown Agents Bank 

1115 

To be announced – more information coming soon!  

Marion King, Chair, Open Banking  

1140 

APP fraud under the microscope: what will Frontier Economics find?

 With Frontier Economics deep into the analysis of the UK’s mandatory APP fraud reimbursement regime, this panel explores competing industry perspectives on what the June review should scrutinise most closely.

Jack Robertson, Data Journalist, The Payments Association

1200 

LUNCH 

1230 

FINTECH’S PITCH LIVE sponsored by Mastercard 

1430 

FINTECH’S PITCH LIVE – One year on with Trudenty, the winner of 2025 

1500 

Project Meridian: Tokenised Settlement in Action 

• Real-time DvP settlement and intraday repo using tokenised securities and central bank money. 

• Programmable liquidity and cross-platform interoperability via smart contracts. 

Robert Courtneidge, Policy Advisor, The Payments Association 

1520 

Women in Payments Meet up 

1620 

END 

DAY TWO 

1000 

The future of payment: Smart cards as the digital backbone of payments. 

From plastic to pixels, smart cards are evolving into the digital backbone of modern payments and standalone digital payment devices. 

Building on decades of leadership in the smart card market, Infineon is transforming cards into connected credentials that deliver cross-use solutions, such as tap-to-pay at checkout and tap-to-authenticate for secured identity flows. Furthermore, our solutions bridge the gap between traditional EMV payment systems, emerging digital currencies and crypto assets with improved resilience and enabling seamless interoperability and multi-application use cases. Through digitization and tokenization, connected credentials can live on phones, wearables, and other IoT devices, bringing trusted payments, secured authentication and seamless consumer acceptance everywhere. 

In this presentation, we share insights on integrating innovative payment concepts based on Secure Elements with NFC, as well as wallet and tokenization services into the next generation of consumer payment devices. These include smart rings, smart watches, and smart wearables, delivering a seamless and secured payment experience integrating physical into digital payments only via a simple tap. 

Florian Schneeweiss, Manager Product & Application Marketing – Payments, Infineon Technologies 

1025 

Pay by Bank breakthroughs: Developing from potential to mass adoption 

• Which use cases are proving most compelling for pay-by-bank, e.g. billing, e-commerce checkout, subscriptions etc., and what is still holding back broader consumer adoption? 

• How will banks, fintechs, and payment processors need to collaborate as pay-by-bank becomes a more viable alternative to cards? 

1050 

BREAKING NEWS: Fresh insights on today’s shifting landscape  

Tony Craddock, Founder, The Payments Association 

Jana Mackintosh, Managing Director, Payments and Innovation, UK Finance  

1115 

To be announced – more information coming soon!  

1140 

To be announced – more information coming soon!  

1200 

Lunch 

1215 

FINALE: The Future of Money Design Awards 

The Future of Money Award was founded in 2009.  Created to develop links between the financial industry and creative practitioners from around the world.  Over the past 15 years, FOM and the talented designers and artists that participated in the awards, have challenged, questioned and proposed new approaches to money and payments. 

Join us for the finale of the awards, and to meet the talented artists! 

Dave Birch, Global Ambassador, Consult Hyperion 

1320 

Crooks Live with We Fight Fraud 

Tony Sales, Founder, We Fight Fraud 

1400 

End