12 NOVEMBER 2025 [DAY 1]

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08:30-09:00

 REGISTRATION & WELCOME COFFEE

Participants arrive, register, and enjoy welcome coffee

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09:00-09:05

 WELCOME ADDRESS

Lilly Pavlou, Executive Director at QUBE Events 

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09:05-09:10

 CHAIRMEN OPENING ADDRESS

Insights into the day's agenda and objectives

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09:10-09:35

 KEYNOTE SESSION + Q&A

Digital Transformation in the Financial Services Sector – What’s Up Ahead?​

 

09:35-10:05

PANEL DISCUSSION + Q&A

Open Finance and Beyond​

• Leveraging Open Finance frameworks to create new business models and opportunities

• Discussing embedded payments and the integration of third-party services while ensuring compliance

 

​10:05-10:35

PANEL DISCUSSION + Q&A

Beyond the Checklist: Leveraging Technology for a Proactive Compliance Approach​​​

The integration of advanced technologies, such as artificial intelligence and blockchain, is transforming compliance practices by enabling more effective fraud detection, transaction monitoring, and risk management.

• How AI and machine learning improve the accuracy and efficiency of compliance processes

• Real-world case studies showcasing successful technology implementation in compliance

• The future of blockchain and its role in enhancing transparency and traceability in financial transactions

 

10:35-11:00

PANEL DISCUSSION + Q&A

The Next Wave of the Consumer Payment Experience​​​

• Focusing on purpose-driven and predictive customer experiences in payments

• Analysing changes in consumer expectations and behaviour 

• Modernising the consumer payment experience - real-world examples

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11:00-11:30

NETWORKING COFFEE BREAK + ONE-TO-ONE MEETINGS

Opportunity for attendees to connect and discuss insights from the morning sessions

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11:30-12:00

 PANEL DISCUSSION + Q&A

Latest Developments: The Evolving Regulatory Frameworks​​​​

An analysis of the latest developments in global and regional regulations related to anti-money laundering (AML), counter-terrorism financing (CTF), and financial crime compliance

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12:00-12:30

PANEL DISCUSSION + Q&A

The Advancement of the Payments Landscape: The Surge of Instant Payments, Integration with A2A Transactions, and their Impact on Industry Dynamics​​

• Instant Payments Standardisation: By now, instant payments should almost be the norm, enhancing real-time transactions and transforming consumer experiences

• A2A Payments Integration: Growing synergy with Account-to-Account payments streamlines transfers, reduces costs, and cuts out intermediaries

• Shifting Industry Dynamics: The rise of instant and A2A payments drives innovation and collaboration among financial institutions and fintechs

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12:30-13:00

KEYNOTE DISCUSSION + Q&A​​

Navigating Regulatory Changes in the USA

Overview of the latest USA regulations affecting the payments landscape

 

13:00-14:00

 NETWORKING LUNCH​

Attendees network over lunch, fostering connections and discussions

 

14:00-14:30

PANEL SESSION + Q&A

 Rise of Digital Wallets and Contactless Payments​​

• Exploring the future of digital wallets: integration with loyalty programs and banking services

• Assessing the regulatory landscape for digital wallets

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14:30-15:00

PANEL DISCUSSION + Q&A

 Cryptocurrency and Payments: Navigating the Evolving Landscape​

• Regulatory Frameworks in the USA: Exploring the varying regulatory approaches regarding cryptocurrency usage, focusing on compliance, taxation, and consumer protection

• Impact of CBDCs on Traditional Payments: Analysing how the introduction of Central Bank Digital Currencies (CBDCs) is reshaping existing payment systems, potentially improving efficiency and security in transactions

• Integration of Crypto Payments: Discussing the growing acceptance of cryptocurrencies as payment methods and the challenges and opportunities this poses for merchants and financial institutions in adapting to consumer preferences

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15:00-15:30

NETWORKING COFFEE BREAK + ONE-TO-ONE MEETINGS

Take a moment to connect with fellow attendees and discuss key insights

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15:30-16:00

PANEL DISCUSSION + Q&A

Evolving Threats and Innovations in Financial Crime Prevention

• Highlighting how AI and machine learning are reshaping the approach to fraud detection in Europe

• Addressing emerging threats such as cybercrime and ransomware within the USA financial landscape

 

16:00-16:30

PANEL DISCUSSION + Q&A

Successful Payment Strategies in 2025​

• Highlighting successful case studies of fintechs leading payment innovations 

• Best practices for aligning payment strategies with evolving regulations

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16:30-17:00

ROUNDTABLE DISCUSSION + Q&A

Building a Sustainable and Inclusive Fintech Ecosystem​

• Exploring the role of fintech in promoting financial inclusion, particularly for underserved populations

• Discussing strategies for fostering innovation and collaboration within the fintech ecosystem

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17:00-17:30

PANEL DISCUSSION + Q&A 

Anticipating Future Regulations in Payments: Preparing for Change in a Dynamic Landscape​

• Evolving Regulatory Frameworks: An overview of key trends in regulatory development that are shaping payment systems, including data protection, consumer rights, and anti-money laundering measures

• Impact on Innovation and Compliance: Analysing how upcoming regulations may influence innovation in the payment industry and the necessity for businesses to adapt their compliance strategies efficiently

• Collaborative Approaches to Regulation: Highlighting the importance of collaboration between regulators, industry stakeholders, and technology providers to create effective and balanced regulatory solutions that support growth while ensuring consumer protection

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17:30-18:00

EXPERIENCE SESSION – Founders Feature 

Spotlight on innovative startups and their contributions to the payments and RegTech sectors

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18:00-18:10

CHAIRMEN CLOSING COMMENTS DAY 1

Summarising the key takeaways from DAY 1 of the conference and addressing final questions from attendees

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18:10-19:30

NETWORKING DRINKS RECEPTION

A closing networking reception to foster connections among attendees and speakers,

featuring local drinks & cuisine

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19:30-22:00

NETWORKING DINNER EXPERIENCE

Join us for an exclusive networking dinner experience, where industry leaders and innovators connect over exceptional cuisine, drinks and insightful conversations

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13 NOVEMBER 2025 [DAY 2]

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08:30-09:00

 WELCOME COFFEE DAY 2

Participants arrive, register, and enjoy welcome coffee​

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09:00-09:10

 CHAIRMEN INTRO TO DAY 2

Insights into the day's agenda and objectives

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09:10-09:35

 KEYNOTE SESSION + Q&A

The Future of Payments and Banking: Embracing Digital Transformation and Financial Inclusion in 2025

This keynote will explore the transformative trends shaping the payments and banking sector, focusing on the importance of digital innovation, customer-centric solutions, and efforts to promote financial inclusion. Key areas of discussion will include the rise of digital currencies, the role of artificial intelligence in enhancing customer experiences, regulatory evolution, and strategies to build a more inclusive financial ecosystem for underserved populations.

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09:35-10:05

PANEL DISCUSSION + Q&A

Balancing Data Privacy with Crime Prevention​

Organisations must navigate the complex interplay between stringent data privacy regulations, such as GDPR, and the need for effective financial crime prevention measures, requiring careful management of consumer information.

Topics covered include:

• Exploring the tensions between data privacy and compliance requirements

• Best practices for balancing compliance with the need to protect consumer data

• Legal implications of failing to adhere to both privacy and compliance regulations

 

​10:05-10:35

PANEL DISCUSSION + Q&A

Fostering Collaboration Across Stakeholders​​​

Effective combatting of financial crime requires enhanced collaboration and information sharing between financial institutions, regulatory bodies, and law enforcement agencies to create a united front.

• Understanding the benefits of public-private partnerships in preventing financial crime

• Case studies of successful collaborations that have led to improved outcomes

• Strategies for encouraging information sharing while maintaining confidentiality and data security

 

10:35-11:00

PANEL DISCUSSION + Q&A

2025 Updates on Buy Now, Pay Later (BNPL): Trends and Considerations​​​

• Widespread BNPL Adoption: The use of Buy Now, Pay Later options has surged, becoming a mainstream financial solution for consumers seeking flexible payment methods

• Heightened Regulatory Scrutiny: There’s a growing demand for regulatory measures aimed at enhancing consumer protection and promoting responsible usage of BNPL services

• Strategic Partnerships: Businesses are forming effective partnerships with BNPL providers to enhance customer experiences and drive sales while ensuring responsible lending practices

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11:00-11:30

NETWORKING COFFEE BREAK + ONE-TO-ONE MEETINGS

Opportunity for attendees to connect and discuss insights from the morning sessions

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11:30-12:00

 PANEL DISCUSSION + Q&A

Driving  Innovation in Cross-Border Payments: Enhancing Efficiency, Security, and Compliance​​​​

• Exploring new technologies and partnerships that streamline cross-border payment processes while maintaining security and compliance, fostering a more efficient global payment infrastructure

• Emergence of Blockchain Solutions: Leveraging blockchain technology to facilitate faster, more secure cross-border transactions while reducing costs associated with intermediaries.

• Collaboration with Fintech Startups: Forming strategic partnerships with innovative fintech companies to develop agile payment solutions that can swiftly adapt to regulatory changes and consumer demands

• Integration of AI and Machine Learning: Utilising AI-driven analytics to improve fraud detection, streamline compliance processes, and enhance the overall security of cross-border payment systems

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12:00-12:30

PANEL DISCUSSION + Q&A

Reimagining Embedded Finance: Seamlessly Integrating Financial Services into Daily Life​​

• Transforming Consumer Interactions: Embedded finance is enhancing customer journeys by integrating financial services into everyday platforms for improved convenience and personalisation

• Driving Innovation through Technology: The latest advancements in AI, blockchain, and APIs are being leveraged to create innovative financial solutions across various sectors

• Navigating Regulatory and Security Landscapes: Businesses face evolving regulatory and security challenges when embedding financial services, requiring effective compliance and risk management strategies

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12:30-13:00

PANEL DISCUSSION + Q&A​​

Securing the Future of Payments: The Intersection of Cybersecurity, Regtech, and Consumer Trust

This theme focuses on the critical role of cybersecurity in the payments ecosystem, emphasising the integration of regulatory technology to enhance security measures and compliance. It highlights strategies for protecting consumer data, preventing fraud, and fostering trust in digital payment solutions amidst evolving regulatory landscapes. 

Topics covered include:

• Innovations in cybersecurity technologies to mitigate payment risks

• The role of Regtech in ensuring compliance with data protection regulations

• Building consumer trust through transparency and robust security practices

 

13:00-13:05

 CHAIRMEN CLOSING COMMENTS​

Summarising the key takeaways from the conference and addressing final questions from attendees

 

13:05-14:00

 CLOSING NETWORKING LUNCH​

Attendees network over lunch, fostering connections and discussions

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