In today’s ever-evolving payments landscape, customers expect secure and reliable options to meet their individual and business payments needs while being able to seamlessly connect and complete transactions. The digital transformation that is currently underway, as well as the critical role that data plays in the financial services industry, is reshaping the payments environment and the overall customer experience. This session will dive into how leveraging modern technologies and optimizing data to streamline processes and enhance decision making can bring unique insights and strategies to organizations to help them stay ahead of the game in this fast-paced digital economy.

Among the things you’ll learn:

• Data as an integral element in payment processing: By having better data and utilizing that data, many aspects of the payments environment will improve, including enhanced fraud detection and security, an improved customer experience, better risk management and credit scoring, optimized payment routing, increased regulatory compliance, and data-driven insights for businesses.
• Adopting modern payment infrastructure: How using API-driven platforms can facilitate payment processing.
• Cloud-native solutions: By continuously modernizing payment systems, organizations can offer cloud native solutions for increased scalability, resiliency, and availability; enabling rapid updates and integration of new payment methods and capabilities.
• Seamless user experience: Customers can have an improved experience if a variety of convenient payment options – credit/debit cards, digital wallets, bank transfers, and BNPL (Citizens Pay) are available, reliable, and secure.
• Open APIs/banking as a service: By seamlessly integrating financial services into customers’ favorite apps and platforms, customers will have greater convenience and faster access to payments and other financial services. This is a personalized and real-time approach that will enhance the overall user experience, saving time and making financial management easier and more intuitive for customers.

The explosive growth of embedded finance globally confirms a radical shift by consumers and businesses to financial services that are instant, convenient and tailored to meet their individual needs, particularly around payments and lending. The vast opportunities to create new distribution channels, reduce customer acquisition costs and increase revenue streams for banks, however, are not without risks. Operational models can be complex and regulatory liability is mounting, with increasing pressure for sponsor banks to manage risks tied to Know-Your-Customer and anti-money-laundering requirements across partnerships with Banking-as-a-Service (BaaS) providers and end brands.

Among the things you’ll learn:

• The revenue opportunities for banks and their partners across the swiftly evolving embedded finance landscape.
• How to establish an embedded finance model that mitigates operational risk and ensures adherence to regulatory compliance.
• Optimizing partnerships by working with BaaS providers and end brands with demonstrated track records of sound operational risk processes, compatible, scalable technological infrastructures, and transparent data management.

By tapping into the collective wisdom of banking leaders on their predictions of what lies ahead for payments in 2025 and beyond, you’ll be better informed on how to capitalize on potential opportunities and mitigate possible challenges.

Among the things you’ll learn

• What are the biggest catalysts driving investments in payments.
• How do banking leaders view the expected impact of the new Presidential administration on global payments.
• What’s driving bank and fintech partnerships for payments innovation.
• Which payments technologies are banking leaders most interested in offering including crypto, wearables, embedded payments and more.

With each generation adopting payment technologies at its own pace, banks, financial institutions and businesses face unique challenges and significant opportunities in how they educate consumers and corporates on the breadth of payment options at their disposal. This session explores strategies to effectively communicate and promote the benefits of AI-driven mobile, immediate and embedded payment solutions, digital wallets, account-to-account payments, buy now, pay later services and Web 3.0 in payments.

Among the things you’ll learn:

• Tailored Communication Strategies: Learn how to craft targeted messaging for different generations to enhance understanding and trust in AI, mobile payments, and other emerging payment technologies.
• Overcoming Barriers to Adoption: Gain insights into the common concerns and challenges each generation faces with new payment methods and explore practical solutions to address these barriers effectively.
• Building Cross-Generational Trust: Discover techniques to bridge generational divides, ensuring that every age group feels secure, informed, and empowered to adopt modern payment technologies confidently.
• Fraud and risk mitigation: Steps to educate consumers on how they can help protect themselves against fraud.

ServiceNow | Celonis

Explore how innovative technologies are transforming traditional banking operations to better meet customer needs and regulatory demands. Learn how automated KYC and reconciliation tools streamline compliance, and discover how sub-accounts are enabling tailored solutions for wide ranging use cases like HR benefits and property management. Gain insights into embedding risk management and fraud prevention tools, from account validation to velocity limits, while seamlessly integrating partners like investment management and FX hedging with single sign-on (SSO). This session will showcase practical strategies to enhance competitiveness, manage risk, and stay ahead of evolving regulations.

The session will explore and probe the growing desire by consumers and businesses to have access to send/receive instant payments capabilities—affording them more convenience, greater control over cash flow, and faster access to funds—the monetization opportunities for the range of instant payment providers, the risks around fraud, and the compliance and technical hurdles that have to be overcome.

Among the things to be discussed:

• Payment always follows something, what are the ‘killer-apps’ that will accelerate usage for instant payments among consumers, recurring billers, retailers and other stakeholders?
• How do FedNow, RTP and other instant payment schemes change the business model  for expedited direct bill payments, Pay-By-Bank decoupled debit, Account-to-Account transfers (A2A), Business-to-Business invoices (B2B), Peer-to-Peer (P2P), same-day payroll and new greenfield applications?
• Why send/receive capabilities for instant payments are important for banks, retailers, recurring billers, fintechs and disrupting new entrants in the value chain?
• What will jumpstart the slow adoption of Request for Payment (RfP) and why?
• How to mitigate the heightened risk of fraud with instant payments.
• How FedNow, RTP and other novel instant payment approaches are creating opportunities for retailers, subscription and recurring billers to bypass card networks, reduce interchange fees and reshape payment ecosystems with Pay-By-Bank and Electronic Invoice Presentment & Payment (EIPP).
• What role recurring billers and retailers’ advocacy will play in driving consumer and business adoption of instant payments at the edge of the network, particularly for Gen Z, Millennials, small businesses and disrupting fintechs prioritizing real-time cash flow solutions.

The American Worker faces a daunting challenge each month to pay bills on time and  stay out of debt amid such a turbulent economy. However, DailyPay has joined forces with The Clearing House to revolutionize the way money moves from employer to employee in a fast, safe, reliable way. Through this partnership, employees are now empowered with choice and control over their pay to address immediate financial needs. This session will explore how this innovation in payments technology addresses the asynchronous movement of money caused by the traditional pay cycle, helping millions to pay bills on time.

• Learn the metrics showcasing the tangible positive impact earned wage access can bring to an organization and its employees.
• Hear about the strategic partnership between DailyPay and The Clearing House and how it’s revolutionizing money movement.
• Understand the benefits for bank/financial institutions in offering earned wage access to their business clients as a true value-add.

As fintech partnerships and BaaS models reshape the financial services industry, understanding the regulatory implications of these innovations is crucial for ensuring compliance and fostering sustainable growth. This session will provide an in-depth look at the evolving regulatory landscape surrounding fintech partnerships and BaaS, discussing the challenges and opportunities they present.

Among the things you’ll learn:

• Best practices for managing regulatory risks.
• How to navigate compliance complexities.
• Best practices for building robust partnerships that align with regulatory expectations.

As small and medium-sized businesses (SMBs) navigate an increasingly complex marketplace, leveraging the power of generative artificial intelligence (GenAI) offers transformative opportunities. This session will explore how banks can utilize their Banking Operating System (BOS) to empower SMBs across all verticals, creating seamless banking experiences that drive growth and efficiency. Hear the latest innovative applications of GenAI, share success stories, and outline strategies for banks to enhance their SMB offerings, ultimately reimagining commerce in a digital-first world.

Among the things you’ll learn:

• Understanding GenAI’s role: Learn how Generative AI can revolutionize commerce for SMBs by providing personalized solutions and insights.
• Empowering SMBs: Discover how banks can leverage their BOS to deliver tailored services that meet the unique needs of small businesses.
• Creating seamless experiences: Explore strategies for integrating GenAI to streamline banking processes and enhance customer satisfaction.

In today’s rapidly evolving business landscape, the synergy between startups and established corporations is more crucial than ever. This panel will explore the dynamic collaboration coming from Mastercard’s award winning startup engagement program, Start Path, alongside startup Atomic and VC partner Core Innovation Capital to highlight how strategic partnerships can drive innovation, enhance customer experiences and foster sustainable growth.

Sabrina Tharani, Senior Vice President of Global Fintech Programs at Mastercard, Jordan Wright, Co-Founder and CEO at Atomic Financial will share insights on the benefits of combining the agility and creativity of startups with the resources and market reach of established companies.

This panel will share insights on the evolving needs of small businesses, and how leveraging modern spend management tools and software can simplify and enhance their operations.

Among the things you’ll learn:

• How spend management tools can help simplify operations and protect cash flow for small businesses.
• The importance of designing seamless and easy-to-use tools to meet business clients where they are.
• The role banks can play in delivering these tools to business clients at scale.

Effective bank and fintech partnerships can drive innovation, enhance customer experiences and create new revenue streams. But what makes these collaborations successful in practice also targets shared commitment to transparent operating models that stress risk mitigation. This panel will delve into how fintechs and banks can build and maintain solid working partnerships that deliver advantages for both sides. Panelists with extensive experience in forging relationships between dissimilar organizations will share real world examples and best practices that maximize potential success with clients. The session will cover how to get started, how to foster success, and what challenges to anticipate and avoid.

Among the things you’ll learn:

• How banks and fintechs can partner on specific products and verticals.
• Best practices and advice on what to look for in a partnership.
• How to maintain and grow a partnership, pitfalls to avoid.

Small and medium enterprises (SMEs) are the backbone of global economies, yet they face unique challenges—limited access to capital, cumbersome digital experiences and cybersecurity risks. This session will showcase how industry leaders are innovating to broaden SMEs’ access to credit, while also exploring how together, cutting-edge payment solutions and strategic partnerships fuel growth, resilience, and economic prosperity for SMEs and those who serve them. When small business wins, we all win.

Among the things you’ll learn:

• The critical role small and mid-sized businesses play in driving global economic growth, the challenges they face, and how today’s digital landscape creates immense opportunity for financial institutions and other partners to win in this space.
• How digital tools combined with innovative partnerships can help SMEs overcome barriers to growth, streamline operations, and boost resilience.
• Practical insights into how those in the payments landscape can work together to empower SMEs, unlock growth, and thrive in an increasingly digital economy.