- New payment platforms & marketplaces
- Frictionless Services Payment optimization
- Innovations in technology and experience reshaping the payments business
- How to help merchants to survive the recession
- Payment optimization & facilitation
- Embedded payments: SaaS strategy guide
- Evolution of distribution models: from bank-centric to software partners (ISVs, SaaS, VARs)
- Mergers & Acquisitions in 2023

- The transition from PSD2 to PSD3
- Digital Euro the impact on the Merchant Payments Ecosystem
- PSD2 / SCA review, analysis and lessons learned
- AI, BNPL & Crypto-assets regulations - Updates, agreements, social responsibility & customer protection
- Visa's Compelling Evidence 3.0: What new Visa requirements mean for merchants
- PCI standards and compliance (PCI DSS v4.0, PCI MPoC)
- AML requirements and best practices
- Regulatory and legacy system constraints hampering innovations deployment

- Future Open banking, Open finance & Open Economy
- Is Open Banking falling behind? Challenges & trends
- Open banking as a catalyst for instant payments
- Open banking innovations: A2A payments for POS, Variable recurring payments (VRPs) & Request to pay (RTP)
- Personal Financial Management, B2C Payments, B2B payments & Recurring Payments
- The best practice: Initiation, Collection & Payouts

- Data economy in Embedded finance - Leveraging the data to improve the customer experience
- Machine learning and data validation. Which solutions helping?
- ISO 20022 - Richer, structured, meaningful data enabling new client experiences while improving compliance and efficiency
- GDPR Compliance

- Smart wallets vs super apps
- Evolution of retailer apps (loyalty, smart, personalisation
- European digital wallet - what, when & how?
- Technology behind wallets & apps; the potential of QR in payments

- Verifiable credentials, digital identity & personalised services implications for the Merchant Payments Ecosystem
- FIDO and other protocols to eliminate friction
- Identity theft, fake accounts, and synthetic IDs
- Biometric & AI-driven ID verification for payments

- Shift to digital - new tech & infrastructure for omni commerce
- SoftPOS & retailer smart apps - Optimizing engagement across channels (incentives, ratings, loyalty, VAS & personalisation)
- Cashierless shopping: more scanning devices, more loyalty, more data points
- Digital receipts as an enabler

- Video games companies generating more money than movies and music combined, what's the potential for payments? Challenges faced by video game merchants and vendors. Specialist digital-first acquirers servicing online gaming
- How will E-cars & e-mobility help drive the payment revolution? Fingerprint payments and innovations specific for e-mobility, should other verticals be inspired?
- Payment strategies for explosive growth in social commerce
- Industry-specific fraud trends and case studies

- Focus on servicing crypto; high margins and profit are attractive, but how do you get the risk right?
- CBDC / Digital Euro & Stablecoins
- Implication for payments in web3.0
- What's behind the rise of Crypto debit cards?

- Latest trends and innovations for "merchant payments" fraud prevention
- The use of AI & ML for fraud prevention is more persuasive than ever
- How will quantum computing disrupt fraud detection?
- Tokenisation, Secure Remote Commerce (SCR), 3DS
- Effective Risk management strategies - How do you build the minimum risk environment?
- KPI benchmarking across different verticals
- Friendly fraud, manual review & chargeback best practices
- Crypto Fraud for all Seasons: Cyclical fraud patterns specific to crypto and NFTs.

- How implementation has unfolded across Europe; best practices, common errors
- SCA lessons learned since introduction
- How do Fraudsters bypass SCA?
- Exemptions

- Metaverse & Augmented reality - the next frontier for payments
- Elements of the metaverse: Web3, Defi, Crypto, Digital Currency, CBDC, etc.
- How can Merchant Payments Ecosystem interact with Metaverse Web3?
- Digital identity in Metaverse / Virtual reality

- The potential of Climate-neutral payments & sustainability
- Protecting our environment means protecting employees, business friends and their families. Can payment technology deliver meaningful climate action?
- Who is leading the sustainable payments charge?

- Marketplaces & payment methods unlocking the expansion beyond borders
- Optimising FX for cross-border payments
- Cross-border payments on Blockchain
- Focus on the Emerging Markets & growth factors
- Why do local APMs matter?
- Shifting consumer behaviour and new payment methods
- Subscription economy & micropayments

- Technology and Talent are two critical investment factors that will enable financial services and fintech companies to achieve consistent and scalable growth. Payments have become a global career opportunity, and competition for talent within the sector is escalating. The ability of companies to source, hire, develop and retain key staff has become a critical business issue. We will also discuss the critical requirement to attract diverse leadership teams.

- How will commercial payments look like in 2025
- Innovations around B2B payments
- Digital transformation: Success stories