What is the customer’s journey to buying what they want from where they want and when they want it? Customers change the way they purchase goods or services and the merchant needs to be one-step ahead. How can your provider give you the best solutions to support your business? Payments processors are playing a key part in this transformation.

Central banks are getting more and more involved in the settlement of instant retail payments. Get to grips with the reasons behind it and the models used to facilitate the shift toward instant payments.

Join our expert panel to discuss trends in Cross-Border payments and International Trade. Find out what are the opportunities for banks and other payment companies & how DLT technology can transform the landscape

As challenger banks are achieving mainstream acceptance and adoption, together with stellar valuations, the world watches on, alongside the traditional banks, the regulators and those that think they can do even better. Joanne Dewar, the CEO of Global Processing Services, the Issuer Processor at the heart of the challenger bank race, shares her insight on the common threads of the success stories to date and perspective on what is coming next.

A banking revolution is in full swing and a new wave of banks is challenging and changing the face of banking. New banks, neo-banks, beta banks and non-banks discuss partnerships, agility & speed, profitability and scalability, payments in-house innovation and the launch of new products.

Since PSD2, it’s been all over the fintech media: Open-Banking and accessible Banking-as-a-Service through Application-Program-Interface (APIs) protocols… Indeed, APIs now form an integral part of the payments and banking landscape. But what are APIs and how do they affect this industry? How can you use APIs to build a banking platform from the ground-up? And what does it take to build these innovative technologies?

TransferMate has built one of the largest portfolios of payment licenses worldwide, including in 51 US states and territories, to support trading in 162 countries and 134 currencies. Some of the world’s leading banks and software providers use TransferMate’s payment infrastructure to enhance their customer experience, ultimately providing better exchange rates, greater transparency and improved reconciliation. By focusing on licenses and regulation – and creating best-in-class technology – TransferMate has become a premier payments partner for banks like Wells Fargo, AIB, and ING. Learn how to our tech-based solution streamlines international payments for businesses into a highly optimized, error-eliminating, cost-reducing, time-saving process.

API’s facilitate not only the dissemination of knowledge, insight and actionable intelligence but also the design of other innovative online services. These APIs have become the foundational building blocks for new services, enabling enterprise agility and seamless customer experience across devices and platforms however the market now demands single, simple APIs that integrate with multiple internal services as well as external APIs. Considering the different data structures, workflows and security considerations involved, hear more about the challenges of creating such a singular point of query; a single, simple API for all your compliance needs.

OakNorth has managed to raise over $1bn from investors, achieve a $2.8bn valuation (the highest of any Fintech in Europe), and become profitable ($14m pre-tax profit in 2017 and over $44m in 2018).Amir Nooriala and David Parker will discuss how the business has managed to achieve this by leveraging big data and machine learning.

This session will look into the ways in which AI is being used to solve challenges, increase efficiency and transform customer engagements in payments and financial crime compliance.

‘move fast and break things’ describes Mr Zuckerberg’s approach to world-conquering technology, but also describes a toddler let loose in a new environment. If we’re serious about developing AI to shape the future, then we need to be grown-up about it; especially those of us in regulated industries - we need to try to ‘move fast’ where possible - but never, ever ‘break things’. Charles Radclyffe, the Head of AI at Fidelity describes how AI Ethics needs to be thought of as separate to Risk and Safety issues such as ‘explainability’, ‘transparency’ and bias; yet why it’s critical to get right if you are to win the trust of customers and colleagues in the quest for delivering AI innovation.

With more and more competition from challenger banks and other start-ups, banks need to fight harder to stay relevant. The need of the hour is a flexible and agile operating environment, however, legacy systems in traditional banks have hard coded rules. This panel will discuss how banks need to overcome the limitation of their legacy systems and work on shifting the company’s culture.

Banks have traditionally viewed serving SMEs as a marginal and low-revenue activity, hear directly from Tide and Clearbank and understand their plans on changing the SME landscape.

Contactless mobile payments and app-based payments are increasingly taking over cash. With Millennials & Generation Z accelerating the trend and recent ATM closures, discuss the future of cash in the UK and beyond.

The huge appetite to invest in sexy tech start-ups raises questions about how to really value these technologies. Will they live up to the hype? Understand where investors are looking over the next 6-12 months, get to grips with start-up valuations and identify FinTech trends to follow in 2020.

What is the next big thing set to change the payments industry? Join us in our exciting, energy-packed Payments Dragons' Den as three up-and-coming companies showcase their financial services products and programmes, set to revolutionise how people move, manage and spend their money