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