2026 Agenda

Explore the 2026 agenda featuring the hot topics that were covered at the event.

Session One: AI and innovation: reinventing the digital-first bank

08.55 - 09.00

Chair's opening remarks

Juliette Foster

Owner

Magnus Communications

09.00 - 09.15

Interview

Keeping the customer at the heart of innovation

Krista Phillips

Chief Customer & Transformation Officer

M&T Bank

09.15 - 09.35

Fireside chat

Building an AI-first bank

Building the first AI-native financial institution: what does ‘AI-native’ actually mean, and why does it require building a new bank rather than just improving the ones we already have?
Taking stock of the challenges: what are the hardest problems to solve (technically, legally, and operationally) in embarking on building an AI-first institution?
When it comes to AI agents making autonomous financial decisions, how prepared are identity and compliance practices today to ensure effective controls and risk management? And what may need to change?
With AI being part of a nexus of change amidst the rise of agentic finance, stablecoins and digital assets, how do you see these trends intersecting?
Over the next 2-4 years, what could agentic finance and commerce actually look like in practical terms? What are the implications for banks and how should they be preparing?

Adam Berrey

Chief Operating Officer

Catena Labs

Theodora Lau

Author "Banking on (Artificial) Intelligence: Navigating the Realities of AI in Financial Services"; Founder

Unconventional Ventures

09.35 - 09.55

Fireside chat

AI Transformation: from business case to banking reinvention

With AI accuracy key to customer-facing solutions, what steps can banks take to achieving more predictable and deterministic outcomes in practice?
How far can incumbent banks really become AI-first on top of their existing core banking infrastructure, and where does AI create a new imperative to modernize the core?
What role can agentic capabilities play in fundamentally changing how modernization of the tech stack is done? And what are the trade-offs for banks to consider?

Ignacio Sarquis

CIO, Retail, Commercial & Digital Banking

Santander NA

Chris Panneck

Principal, Head of AI, Data and Technology Strategy

KPMG

09.55 - 10.25

Leaders' Forum

The AI-powered bank: unlocking enterprise agility and new revenue models

From experimentation to enterprise value: what separates the organizations that are generating measurable business value from those still stuck in experimentation mode?
The AI-powered bank: when you look three to five years ahead, which banking functions are most likely to be fundamentally reinvented by AI, and which are being overhyped today?
Beyond AI as an efficiency tool: where do you see the greatest opportunity for AI to create entirely new products, services, or sources of revenue for banks?
Building the AI-ready enterprise: what are the architectural decisions banks need to make now in cloud, platforms and operating models to avoid creating the next generation of legacy technology?
Data as a competitive advantage: what does a modern data strategy look like in an era where AI models are only as effective as the data that powers them?
The build-versus-buy dilemma: as foundation models evolve rapidly, where should banks differentiate through proprietary AI capabilities and where should they rely on external providers?
Agentic banking: as agents become capable of executing increasingly complex tasks, where do you see the biggest opportunities, and challenges, for deploying autonomous agents in the bank?
Ensuring responsible AI: how should banks redesign governance, controls, and human oversight to enable innovation at pace without creating new risks?

Michael Blanco

Executive Director, Former Wells Fargo

Agenda | MoneyLIVE North America

Kelley Conway

Chief Data and Analytics Officer

Northern Trust

Greg Clark

Managing Director for AI and Data

Bank of Montreal

Rahul Dubey

Chief Growth Officer

Publicis Sapient

Stage 1 - Experience-led banking: designing the next generation of customer value

11.10 - 12.45

Moderated by:

Theodora Lau

Author "Banking on (Artificial) Intelligence: Navigating the Realities of AI in Financial Services"; Founder

Unconventional Ventures

11.10 - 11.30

Fireside chat

Supporting financial wellbeing: what more should banks be doing?

The financial health outlook: are things getting better, getting worse, or just getting more complicated?
The business case for financial wellbeing: Why should a bank care about wellbeing beyond corporate social responsibility?
The financial wellbeing pioneers: who is doing well, and what specifically are they doing differently from everyone else?
AI in financial health: how can it be used by banks to drive better personal financial management insights and tangible benefits for customers?

Jamie Heidrich

Head of Consumer Digital, Account Servicing & Experience

Fifth Third Bank

Jennifer Tescher

Founder and Chief Executive Officer

Financial Health Network

11.30 - 11.50

Advisory

Designing digital banking for every generation: how KeyBank is turning client insights into measurable business impact

Dan Crowley

VP, Strategic Partnerships, VP, Strategic Partnerships

Personetics

11.50 - 12.25

Panel discussion

Reimagining journeys: omnichannel and self-service in the era of AI

Overcoming disjointed channel experiences: where is the gap between what customers expect and what most banks actually deliver right now?
Building an omnichannel model by design: why and how should banks invest in both digital and branches simultaneously for maximum impact?
Harnessing agentic AI in banking: how can banks harness AI to deliver more intelligent, meaningful and context-aware self-service offerings?
Balancing automation and trust: how should banks determine when to let AI handle customer queries and triage and where human connection is necessary?
What are the foundational requirements for successfully deploying agents at this level of complexity, and what does a unified context layer actually unlock for the business?
As omnichannel only works if your data works: how can banks address the data and integration problems that lie underneath the customer experience layer?

Peter Kalen

Chief Executive Officer

Momentum

Philippa O'Hagan

Head of Deployment Execution

HappyRobot

RanDee Platt

SVP, Senior Director of Customer Experience

Santander

12.25 - 12.45

Keynote address

Reducing barriers for women in finance

Kristy Duncan

Founder & CEO

Women in Payments

Stage 2 - Commercial payments: the new landscape

11.10 - 12.45

Moderated by:

Juliette Foster

Owner

Magnus Communications

11.10 - 11.25

Keynote address

Harnessing real-time: revolutionizing bill pay with request for payment

Christopher Ward

EVP, Head of Enterprise Payments

Truist

11.25 - 11.45

Fireside chat

Virtual card innovation: streamlining corporate payments and payouts

From faster supplier onboarding to optimized cash flow: what tangible benefits can virtual cards add to corporate clients?
Harnessing transaction data. How can banks use virtual card data to give clients better insights, stronger forecasting and smarter spend management?
How important is API-first design in moving virtual cards from a standalone payment product into something corporates can embed directly into procurement, ERP and accounts-payable workflows?
Encouraging supplier uptake: what can banks do to help support clients to enrol their vendor base?

Lizzie Wolfe

Head of Commercial Card, Americas Region

HSBC

Toffer Grant

CEO & Founder

PEX

11.45 - 12.25

Panel discussion

Readying corporates for real time: seizing the commercial opportunity

As instant payment adoption matures, where are you seeing real-time payments deliver the strongest commercial use cases and advantages for banks and their clients today?
What continues to stand in the way for corporate adoption? From legacy ERP and accounting software to fraud liability concerns or something else?
How can banks play help clients move towards real-time processing? And what will it take for banks to modernize their own commercial product layer?
What do we know about the fraud rates on instant rails, and what should banks be doing to help clients mitigate those risks?
Beyond integrating real-time rails, where do banks need to invest to ensure they can deliver more sophisticated real-time liquidity management for clients?
From premium APIs to Request for Payment: what value adding services will define the next generation of corporate payments offerings?
As real-time payments become ubiquitous, how can banks differentiate themselves through innovation rather than compete solely on connectivity and price?

Patricia Montesi

Co-Founder & CEO

Qolo

Erik Van Bramer

Senior Vice President, Head of Customer & Industry Relations

Federal Reserve Financial Services

Jim Colassano

SVP of RTP Product Development

The Clearing House

Christopher Ward

EVP, Head of Enterprise Payments

Truist

12.25 - 12.45

Interview

The regulatory outlook for the US banking market

The regulatory outlook: what is the single most significant regulatory shift happening in U.S. banking right now that bankers in this room may be underestimating?
Open banking, consumer choice, and consumer protection: where are we in the journey towards making open data work for customers and what still needs to happen to get it right?
Navigating AI risk: as AI adoption accelerates, what does thoughtful AI regulation in banking actually look like, and are regulators keeping pace with industry innovations?
The GENIUS Act: is the U.S. regulatory framework for stablecoins actually fit for purpose, or are we building on a foundation that will need to be rebuilt in five years?
Learning the lessons from BaaS failures: how do bank-fintech partnerships need to be structured differently going forward to prevent the same mistakes?

Phil Goldfeder

Chief Executive Officer

American Fintech Council

Jelena McWilliams

President, Corporate & External Affairs; Former Chair, Federal Deposit Insurance Corporation (FDIC)

Plaid

Stage 3 - Understanding and tackling modern fraud and financial crime

11.10 - 12.45

Moderated by:

Paul Mullins

COO and Co-Founder

Finkr

11.10 - 11.45

Panel discussion

Intelligent counter fraud: how can data and AI be harnessed effectively?

Where are the key opportunities for AI to help streamline case management workflows and reduce burdens on investigators?
Enhancing the accuracy of fraud detection: Where can AI help to improve risk scoring, threat detection and reduce false positive rates?
Data-ready AI: how should banks be rethinking their data strategies to enable the effective use of AI tools? What are the practical challenges?
From experimentation to production: what are the biggest pain points you see for banks looking to adopt AI in counter fraud workflow and how can they be addressed?
Human-in-the-Loop and governance: how should banks think about how to build effective guardrails to ensure auditable and explainable decision-making and clear human escalation paths?

Devendra Parmar

SVP, Head of Fraud Products - Detection, Decisioning, Alert management and AI Products

Citizens Bank

Richard Galvez

Director, Applied AI

Everpure

11.45 - 12.05

Advisory

LexisNexis Risk Solutions: A global perspective on payments fraud, regulation, and the rise of identity-layer attacks

John Hutton

Global Head of Payments

LexisNexis® Risk Solutions

12.05 - 12.45

Panel discussion

Keeping pace with payments fraud: real-time, checks and P2P

The real time challenge: what do we know so far about the fraud rates seen over real time rails?
Check fraud remains a significant challenge. With fraud rates so much higher on legacy rails how concerned should banks be about real-time payments fraud?
Keeping pace with real time: how is real time payments making obsolete operating models that rely on traditional fraud reviews, manual checks and static rule sets?
Where should banks focus their investment to enable the development of more adaptive models and real-time interdictions?
What are the key innovations in prevention strategies to explore? How can banks use Ai, behavioral signals and device intelligence, to better identify when a payment may be suspicious?

Kathryn Albright

Executive Vice President, Head of Global Payments & Deposits

Columbia Bank

Erin Crawford

Vice President, Head of Consumer Digital Payments & Money Movement

Fifth Third Bank

Kashif Siddiqui

Managing Director, Head of Innovation, Global Payment Solutions

Bank of America

Nick Pearson

AVP Product Management

Nasdaq Verafin

Stage 4 - Think Tank - Decision velocity: the new ROI of agentic banking

11.10 - 12.40

Moderated by:

Genevieve Connor

Head of AI Innovation, Financial Services

Avanade

Rayfield Johnson

Data & AI Technology Lead

Avanade

11.10 - 11.40

Panel discussion

Where can agents drive real efficiencies in bank workflows?

Poonam Rao

SVP Data & AI Product Strategy

Citizens Bank

Ashish Jaiswal

Client Executive - Banking, Insurance, Capital Markets

Avanade

Genevieve Connor

Head of AI Innovation, Financial Services

Avanade

11.40 - 12.25

Group Discussion

In this interactive Think Thank delegates will break into groups to discuss how to address one of four key issues associated with delivering ROI from agentic banking.

The business case: which bank workflows offer the greatest opportunity for agents to improve productivity, reduce costs or accelerate decision-making?
ROI from agentic banking: ow should banks measure the value of agentic AI beyond headcount savings, including customer experience, revenue growth, risk reduction and faster time to market?
Data strategy: what are the key considerations around architecture design and data strategy that are necessary to get the foundations right to scale agentic operations successfully?
Governance and controls: how can banks work with regulators and effectively embed effective guardrails, governance and oversight throughout agentic workflows?

12.25 - 12.40

Group feedback

Stage 1 - Marketing and engagement in the age of AI

13.50 - 15.05

Moderated by:

Juliette Foster

Owner

Magnus Communications

13.50 - 14.10

Keynote address

Rethinking competitive advantage: what AI, tokenization, and agents mean for banking

Pretty Khare

Managing Director, Head of U.S. Strategic Planning

Royal Bank of Canada

14.10 - 14.30

Fireside chat

Understanding the customer: the next phase of predictive AI

Explore how financial institutions can move beyond predictive AI and customer behavior analysis to better understand customer intent, goals, and financial aspirations.
Examine how Agentic AI is transforming customer engagement by enabling AI systems to take action, orchestrate complex workflows, and deliver personalized guidance at scale.
Learn how financial institutions can leverage AI not only to enhance personalization but to help customers feel understood, supported, and confident about their financial future.

Melisa Oytac

Director, AI Technology

Tru Cooperative Bank

14.30 - 15.05

Panel discussion

Marketing in the age of AI: how should bank strategies adapt?

Which marketing use cases are moving furthest beyond experimentation today and what are the practical challenges in getting those capabilities safely into production?
AI-driven engagement: how can banks use first-party transaction data to better predict purchase probability and identify the right moment to engage?
Deeping existing relationships: how can banks effectively use AI to develop smarter cross-selling strategies and deepen existing relationships?
AI content generation: how can banks effectively harness AI for content generation while designing processes for deciding what is good enough, on-brand and appropriate to move forward?
From SEO to GEO: how are AI search behaviours evolving and how do marketers need to rethink marketing content to optimize for the new era of AI search and product discovery?
Synthetic personas: how are banks experimenting with GenAI-powered synthetic customer profiles to simulate customer behaviours? And how far are they likely to enable more precise targeting?
Navigating compliance and risk: how can banks harness the efficiency benefits of AI weakening governance, approvals or regulatory compliance?

Rahul Rajendra Prasad

Senior Vice President of Technology

Citizens Bank

Luis Landivar

Head of Solutions Consulting

Naehas

Dhaval Gala

Director CIM

Scotiabank

Stage 2 - Everyday payments reinvented

13.50 - 15.15

Moderated by:

Jodie Kelley

Chief Executive Officer

Electronic Transactions Association

13.50 - 14.05

Fireside chat

Streamlining payments and cashflow management for SMBs

How should banks look at SMB personas today to design tools that actually fit their specific needs, instead of forcing them into one-size fits all products?
How do banks give small businesses the flexibility they need without overwhelming them with complexity? And what role can more verticalized payment solutions play?
When we look at the economics of serving small businesses, how should banks evaluate whether catering to this specific market niche is actually financially viable for them?

Scott Beyer

SVP, Business Banking Product

US Bank

14.05 - 14.25

Fireside chat

The rise of agentic commerce: ecommerce reinvented

The rise of agentic commerce: how far is AI-led shopping set to redefine customer behaviour and reshape traditional ecommerce as we know it?
The new fraud risks of agentic commerce from agent impersonation, and logic hacking to hallucination disputes: how do bank fraud and dispute mechanisms need to adapt?
Know Your Agent: how can banks and merchants effectively authenticate shopping agents, score the financial trust of AI bots, and prevent first-party “friendly” fraud?
As transactions become increasingly mediated by AI agents, how might the role of payment providers evolve beyond processing transactions toward enabling trusted commerce?

Brady Harrison

Head of Strategy and Execution

Equifax

Norah Coelho

Managing Director, E-Commerce Merchant Products & Solutions

JP Morgan

14.25 - 14.45

Fireside chat

Modernizing the Physical Card Journey: How API-Driven Ecosystems Are Reshaping Card Issuing

Gustavo Menezes

Head of Payments North America

Thales

Bo Jiang

CEO

Lithic

Josh McMahon

Product Management

Capital One

14.45 - 15.15

Panel discussion

Preparing payment architectures for a new wave of innovation

The shift to real-time: how can banks effectively retire overnight batch processing and replace legacy core systems with real-time, 24/7 transaction engines?
ISO 20022: how well-placed are banks to actually deliver on the promise of data modernization? And where will it deliver meaningful results?
API architectures: how can banks harness modular, composable payment stacks to innovate faster, scale flexibly, and embed into customer ecosystems effectively?
Ensuring ROI from payments modernization: how can banks effectively transform payments stacks to reduce total cost of ownership and accelerate time-to-market for new products?
How is AI set to transform payments architectures? Where are we seeing tangible possibilities in how banks orchestrate payments and enhance straight through processing?

Patricia Tripar

Head of Payments & Channels, Wealth Management & Personal Banking

Northern Trust

Amar Shah

Product Office, Head of Banking Platforms

Barclays

Komi Agbodji

VP, Global Payments & Liquidity

Formerly Wells Fargo

Stage 3 - Digital identity, KYC and financial crime

13.50 - 15.00

Moderated by:

Jen Guidi

Chief Executive Officer

ProSight Financial Association

13.50 - 14.20

Panel discussion

Transforming onboarding and KYC for a digital-first world

As fraudsters are becoming more sophisticated, what are the challenges for banks today in building onboarding journeys that remain frictionless for genuine customers?
What role will AI, behavioral biometrics, device intelligence, and real-time risk signals play in defining the next generation of digital identity and KYC?
How should financial institutions rethink onboarding and KYC as a continuous lifecycle rather than a one-time event, and what does that look like in practice?
Could trusted industry-wide data sharing become the next frontier in fraud prevention, and what are the practical, regulatory, and privacy challenges that need to be overcome?
Looking ahead, what will define best-in-class onboarding and KYC over the next three to five years?

Sharell Barshishat

Director, Global Advisory

Biocatch

Priyank Patel

Deputy Chief AML Officer

KeyBank

14.20 - 14.40

Case study

Trust at the Speed of Digital: Building Real-Time Identity Confidence in the AI Era

Fraud teams have never had more data, yet confidence remains elusive. As digital interactions accelerate and AI-driven experiences become more common, organizations face a new challenge: determining not only whether an identity is valid, but whether it can be trusted in the moment.

In this conversation, leaders from AtData and Experian will explore how modern identity intelligence is reshaping fraud prevention. Drawing on insights from email intelligence, digital identity signals, risk assessment, and emerging approaches to agent trust, they’ll discuss how organizations can move beyond static verification and build a more dynamic understanding of identity confidence.

Attendees will learn how leading institutions are using layered identity signals to identify risk earlier, reduce friction for legitimate customers, and make smarter real-time decisions across account opening, authentication, and account protection journeys.

Brian Burke

VP of Product

AtData, a part of Experian

Nash Ali

Vice President of Strategy

Experian

14.40 - 15.00

Case study

Harnessing agentic AI for dispute management

Shanthi Shanmugam

CEO & Co-Founder

Casap Technologies

Stage 4 - FinTech pitches

13.50 - 13.55

Opening remarks

13.50 - 15.00

Moderated by:

Penny Lee

Chief Executive Officer

Financial Technology Association

13.55 - 14.10

Pitch 1 | Commercial lending, Unified.

Aaron Colcord

Chief Executive Officer

Voyager AI

14.10 - 14.25

Pitch 2

Gordon Campbell

Co-founder | Chief Market & Strategy Officer

RDC.AI

14.25 - 14.40

Pitch 3

Oren Buskila

CEO & Co-Founder

Cobalt

14.40 - 14.55

Pitch 4

Jasmine Mercado

Co-Founder

Vida Financial Blueprint

14.55 - 15.00

Audience voting

Stage 1 - Stablecoins and tokenized deposits: preparing for a new reality

16.00 - 17.00

Opening Keynote address

Moderated by:

Yaya Jata Fanusie

Former CIA; Visiting Fellow, Georgetown University; Global Head of Policy

Aleo Network Foundation

16.00 - 16.05

Keynote address

Stablecoins and privacy: what bankers need to know

Yaya Jata Fanusie

Former CIA; Visiting Fellow, Georgetown University; Global Head of Policy

Aleo Network Foundation

16.05 - 16.25

Fireside chat

Breaking borders with blockchain: streamlining cross border with DLT

Blockchain has been discussed for years—what has changed today that makes DLT a viable solution for cross-border payments?
What specific pain points in cross-border payments can DLT solve better than traditional correspondent banking?
Will blockchain replace correspondent banking, or will it coexist alongside existing payment rails?
How can financial institutions balance innovation with regulatory, compliance, and AML requirements when leveraging DLT for cross-border payments?
Looking ahead five years, what will the future of cross-border payments look like, and what role will DLT play in that ecosystem?

Tisha Dey

Director, Global Transaction Banking, Technology

BMO Capital Markets

16.25 - 17.00

Panel discussion

New business models: assessing the potential of tokenized money

Stablecoins, tokenized deposits, or tokenized money market funds: which of these actually represents the most compelling near term business opportunity, and how should banks evaluate the business cases of each today?
Looking beyond the digital assets space, how can tokenized money become something that genuinely improves the experience for business banking or the retail customer?
From collections to payouts: what payment use cases are driving tangible benefits for corporate clients? And what can be learnt from products on the market today?
From GENIUS to CLARITY: what are the latest developments in the regulatory space and how does the landscape compare between the US and Canada?
What structural changes are going to prove catalysts for the development of tokenized money? And what roles will agentic commerce and AI play?

Tiffany Gradzki

Vice President, Digital Assets & Financial Markets, North America

Northern Trust

Miles Paschini

Chief Executive Officer

FV Bank

Barry Baird

Head of Payments Capability & Delivery

TD Bank

Stage 2 - Next-gen lending: pioneering smarter credit strategies

16.00 - 17.15

Moderated by:

Peter Renton

Co-Founder, Fintech Nexus; Founder & CEO

Renton & Co

16.00 - 16.15

Case study

Embedded SMB lending: two opportunities, not one

Banks describe small business lending as a demand problem – customers they cannot serve because the economics of a $50,000 loan never worked. That is half of it. Many of these same banks hold undeployed assets with nowhere to put them – a supply problem. Embedded lending changes both sides. The SMB is already using digital tools, cash flows are already visible, and automated decisioning makes small loans viable at scale. That turns unmet demand into assets a balance sheet can hold. This case study examines what banks and fintechs must align on to capture both opportunities.

Prashant Fuloria

Chief Executive Officer

Fundbox

16.15 - 16.35

Fireside chat

Transforming commercial credit from the inside out: M&T Bank’s transformation journey

Scaling without adding complexity: how can banks redesign operating models to absorb significant increases in users, transactions and support demand?
Turning employee feedback into transformation priorities: How can banks create effective feedback loops between frontline users, operations, product and technology?
Breaking down organizational silos: what does it take to connect operations, technology, product, and learning & development around a common transformation agenda?
Measuring transformation: beyond cost reduction, what metrics should banks use to understand whether operational transformation is actually working?
Lessons from the journey: Looking back at M&T’s commercial credit transformation, what has been hardest to get right, what would you do differently?

Hunia Saghir

Senior Vice President, Commercial Credit

M&T Bank

16.35 - 16.55

Advisory

Throughput, not headcount: how one regional bank put AI inside commercial underwriting

Basile Senesi

Chief Revenue Officer

Ryan Dammeyer

Head of Underwriting and Portfolio Management

Western Alliance Bank

16.55 - 17.15

Fireside chat

AI-powered lending: transforming CX, underwriting and risk management

Automated underwriting: how can banks apply AI to build intelligent decisioning engines that can cross-reference credit information against predefined policies to slash loan processing times?
Alternative data: how can banks use AI to analyse unstructured data and subtle transaction patterns to enhance the accuracy of credit assessments and extend credit to new and underserved segments?
Dynamic risk modelling and default prediction: how can AI help banks to more accurately predict default risks by shifting from static, historical credit scores to real-time, behavioural dynamic modelling?
Personalized lending: how can banks use AI and customer data to more accurately match products to individual borrower profiles and improve acquisition and cross-selling?
How can banks overcome the key technical challenges in AI-powered decisioning? From fragmented, scare or poor-quality data and system integration challenges to algorithmic bias and model drift
Navigating the regulatory challenge: how should banks and regulators work together to understand expectations and enable the safe and responsible adoption of AI in credit risk models and decisioning?

Swati Dublish

Vice President, BFS Solutions

Innova Solutions

Hunia Saghir

Senior Vice President, Commercial Credit

M&T Bank

Stage 3 - Fincrime, cyber and operational resilience: the engine of risk reduction

16.00 - 17.00

Moderated by:

Juliette Foster

Owner

Magnus Communications

16.00 - 16.25

Fireside chat

Realizing the potential of agentic AI in fraud, financial crime and cybersecurity workflows

With an explosion in AI-enabled fraud: which attack vectors concern you most today, and why are traditional security approaches no longer sufficient?
While attackers are using AI to scale threats, defenders are also leveraging AI to fight back. Which AI capabilities are already delivering measurable value in cybersecurity today, and where do you believe AI still falls short?
One of the biggest promises of AI is reducing the operational burden. Where are the biggest opportunities that AI agents can bring to streamlining cybersecurity and compliance workflows?
As organizations deploy AI agents, they’re also introducing entirely new attack surfaces. How should security leaders think about risks such as hallucinations, prompt injection, data leakage, tool misuse, and adversarial manipulation?

Hariom Tatsat

Director, AI Quant

Barclays

Eli Wachs

CEO & Co-founder

Footprint

16.25 - 17.00

Panel discussion

Vendor vulnerabilities: navigating concentration and nth-party risk

Keeping pace with regulatory expectations: how are banks working to meet the Interagency Guidance on Third-Party Relationships?
How are banks currently modelling vendor risk? What are the key metrics and indicators that are being used currently? And how is AI set to influence it?
Vendor due diligence: how can banks ensure they ask the right questions of vendors? How do banks need to treat AI vendors differently? And what kinds of due diligence questions should we be asking with how vendors are using AI today?
Enabling continuous TPRM: how can banks make the shift towards more ongoing real-time cybersecurity monitoring to ensure continuous evaluation of vendor risk?
Beyond TPRM: why are pressures on banks shifting from a focus on monitoring primary vendors to a wider focus on fourth party and n-parties? And how can banks effectively map sub-contractor ecosystems and shine a light on N-th party risks?
Exit and transition strategies: how can banks effectively embed compliance into contracts and establish clear plans for data migration and transition?

Rajat Baijal

Adjunct Professor - M.S. in Enterprise Risk Management, Columbia University

Agenda | MoneyLIVE North America

Jennifer Petsu

SVP, Third Party Risk Management Director

Customers Bank

Session five: Establishing a competitive edge in a changing market

09.00 - 09.05

Chair’s opening remarks

Juliette Foster

Owner

Magnus Communications

09.05 - 09.25

Keynote address

More human, less friction: using AI to put people first

Nadim Homsany

Co-Founder, EarnUp; Senior Vice President & Head of AI

BECU

09.25 - 09.45

Advisory

Agentic Banking: Building Trust in the Age of AI

Rizwan Khalfan

EVP and Vice Chair, Strategic Growth, Innovation & Partnerships

TD Bank

09.45 - 10.05

Interview

Keeping up with the challengers: lessons from the digital-native banks

What are the key advantages that neobanks have against incumbents versus the advantages that incumbents still have versus challengers today?
If customers increasingly expect financial services to work like the best digital products where are incumbents still creating unnecessary friction, and which capabilities should incumbents be prioritizing to close that gap?
Most incumbents cannot simply replace decades of core infrastructure. How can banks create challenger-level agility given the legacy frictions and controls already embedded in their core?
What lessons can incumbents learn about how to build speed into their product development? And how can incumbents move towards modular, configurable solutions?
Personalization in practice: banks already have enormous amounts of behavioral and transactional data. What prevents them from using those signals to make more personalized and tailored services?
Digital challengers are able to experiment and iterate quickly with innovations such as customer-facing AI. Where do you see AI transforming financial services and what can incumbents learn from the latest innovations from challengers today?

Rob Rooney

CEO and co-founder

Hyperlayer

10.05 - 10.35

Panel discussion

Innovating through FinTech ventures: the key to successful partnerships

When it comes to where banks are focusing energy and resources into strategic investment today, what key trends stand out to you as areas that are driving partnerships and investment today and why?
How should banks evaluate a fintech investment differently when the primary goal is strategic partnership rather than financial return, and what happens when those two objectives conflict?
Due diligence and compliance: what are the operational and compliance realities that banks consistently underestimate when they enter a fintech partnership, and what does good due diligence actually look like?
From evaluating new capabilities to managing risks: how is AI changing the way banks think about which fintechs to partner with and how those partnerships are structured?
If you could give every bank executive in this room one piece of advice about building fintech partnerships that actually scale, based on what you’ve seen work and what you’ve seen fail, what would it be?

Mary Joseph

Senior Vice President, Strategic Investments

Citi

Caitlyn Mullins-Smith

Vice President & Director

NEACH Payments Group

Seerat Kaler

Manager - Emerging Partnerships & Digital Innovation Fund

BMO Financial Group

Stage 1 - Smart operations: AI and digital transformation in action

11.20 - 12.45

Moderated by:

Juliette Foster

Owner

Magnus Communications

11.20 - 11.35

Keynote address

The autonomous enterprise: intelligent workflows, robotics, and the future of financial services

Sanjoy Sarkar

SVP, Senior Director | Head of Enterprise Workflow Automation & Robotics

First Citizens Bank

11.35 - 11.55

Fireside chat

Realizing the AI revolution in software and product engineering

Vibe-coding and beyond: how can banks harness AI to write, refactor, and test code and expand the capacity of developers?
Quality and reliability: how can banks ensure that AI-generated or refactored code meets the levels of quality, security and resilience required for critical banking applications?
The efficiency impact: to what extent can AI reduce integration-pipeline times, lower software investment costs, and enable faster deployments at speed?
What are the biggest barriers to moving AI-assisted software development from experiments into production environments at bank scale?

Rachel Castro

SVP, Business Banking Partnerships & Channel Growth

US Bank

Monica Hernandez

CEO & Founder

MAS Global

11.55 - 12.15

Advisory

Why most AI agents fail in production (and how to make sure yours don't)

AJ Asver

CEO & Co-Founder

Grep.ai

12.15 - 12.45

Panel discussion

Engineering control into AI agents: the practicalities of responsible AI

Hallucinations, prompt injections, manipulations and data exposure: what are the key new vulnerabilities, risks and attack vectors that the use of AI agents pose?
Building bounded architectures: how can banks use the principle of least privilege to ensure agents cannot execute outside of predefined parameters?
Agentic identity and traceability: how can banks provide agents with unique identities and establish effective logging process to develop transparent audit trails for every agent action?
Operationalizing human-in-the-loop and human-above-the loop: how can banks build robust human oversight through clearly defined confidence thresholds, escalation pathways and exceptions handling?
Continuous auditing and adversarial testing: how can banks continuously test AI models and agents against simulated cyber threats to identify weaknesses, bias, and potential tool misuse?

Diana Rothfuss

Global Director, Industry Solutions - Financial Services Company name: SAS

SAS

Harry Wang

Director Analytics

Fifth Third Bank

Hariom Tatsat

Director, AI Quant

Barclays

Stage 2 - Winning strategies for banks in the open data economy

11.20 - 12.45

Moderated by:

Michelle Beyo

Chief Executive Officer

Finavator

11.20 - 11.35

Keynote address

Open banking, open questions: what every player needs to know right now

Jean-Paul LaClair

Head of Product and Technology

Financial Data Exchange

11.35 - 11.55

Fireside chat

Open payments propositions: assessing the alternative to cards

How real is the A2A opportunity, and how urgently are corporate clients actually asking for it?
Where in the corporate payments stack are we seeing the most compelling traction for open payment alternatives right now?
When discussing open payment alternatives, what are the key questions clients ask, and what are the objections that still come up most frequently?
If open payments and A2A are so compelling why haven’t they taken more market share from cards already? What are the structural, technical, or behavioral barriers that are slowing adoption?

Rene Schuurman

Director, CashPro Product Manager

Bank of America

11.55 - 12.15

Advisory

Harnessing open data: from bank connectivity to customer impact

Etan Grosinger

Partnership Manager

Plaid

Ben Kelbaugh

Account Executive

Plaid

12.15 - 12.45

Panel discussion

The open data economy: making open data work for customers

What separates banks that are genuinely making open data work for customers from those treating it strictly as a compliance exercise?
What has been the hardest part of turning open banking into something that genuinely improves customer experience, and where are we seeing the most meaningful results?
Open banking only works at scale if customers trust it. How do banks build genuine, informed trust rather than passive consent?
AI dramatically accelerating open data value but it also amplifies misuse risks. How should banks think about the intersection of open data and AI today?
Many countries have already moved beyond open banking into open finance:Where does your market stand today, and where do you see it moving over the next five years?

Anthony Burton

SVP, Head of Open Banking

Truist

Alejandro Servin

Head of Embedded Finance

BBVA Mexico

Paul LaRusso

Chief Executive Officer

Akoya

Stage 3 - Community banks and credit unions: modern tools for local impact

11.20 - 12.45

Moderated by:

Samer Saab

SVP of Product

Alloy Labs

11.20 - 11.35

Interview

Lessons from the trenches: organizing and partnering to digitally transform the bank

Sarah Grooms

Chief of Staff, Banking

Wintrust

11.35 - 12.15

Panel discussion

The modernization playbook: bringing institutional-grade efficiency to local banking

What are the technology investments that consistently move the needle most for community banks trying to achieve institutional-grade efficiency?
How do you think about the build vs. buy vs. partner decision, and what should community bank leaders be asking before they sign a contract with a fintech vendor?
With smaller teams and tighter budgets: where is AI actually delivering measurable value for community institutions right now, and where is it still more hype than help?
Navigating change management: how can community bank bring people along on a modernization journey without breaking the culture that makes the institution special?

Carey Ransom

Managing Director

BankTech Ventures

Philip Barnes

CIO – Community Banking & Wealth Management

Old National Bank

Sahar Nezami

VP, Enterprise Data & Analytics

Meridian Credit Union

Matt Wilson

Chief Customer Officer

Engageware

12.15 - 12.45

Fireside chat

Defining your niche: learning from successful business models

Define your niche: what does having a genuine niche actually mean for a community financial institution, and how do you know if you have one?
Balancing the personal with scale: how do you maintain a niche identity at scale, and what role do omnichannel member experiences play in keeping that identity alive?
Investing in digital capabilities: what should community banks learn from how to compete on experience without losing what makes them local?
How do you stay ahead of competitors that have more capital, more technology, and no local relationship overhead to maintain?
Defining the people strategy around your niche: how do you ensure that there are effective accountability structures in place to help execute your strategy?
How do you stay ahead of competitors that have more capital, more technology, and no local relationship overhead to maintain?

Jason Rudman

Executive Vice President and Chief Member and Digital Experience Officer

BECU

Phil Suckow

Chief Operating Officer

Prevail Bank

Eric Schurr

Chief Strategy Officer

Sunrise Banks

Stage 4 - Think Tank - Reimagining digital business banking experiences

11.20 - 12.45

Moderated by:

Paul Mullins

COO and Co-Founder

Finkr

11.20 - 11.35

Case study

Beyond one size fits all: creating personal and progressive experiences as businesses grow

Jamie Yang

VP, Digital Product Commercialization Strategy

JPMorgan Chase & Co.

11.35 - 11.50

Keynote address

Winning in a digital banking world

What if AI makes great bankers even more valuable?

Meline Gasparyan

Head of Business Banking Treasury Solutions,

Citizens Bank

11.50 - 12.35

Group discussion

In this interactive workshop, delegates will break into 4 groups to discuss how to address one of four key challenges faced in delivering effective digital business banking experiences.

What are the biggest sources of friction in today’s digital business banking journeys, why have they persisted and how can they be addressed?

What does effective relationship management look like in an increasingly digital world? Which interactions should remain relationship-led, and which should become fully digital?

How do businesses’ digital banking needs change as they grow from SMEs into larger commercial organisations? And how can banks effectively serve them throughout?

Where can banks use AI to meaningfully add value to SMEs? And how does the value that AI can add change at different points in the SME lifecycle?

12.35 - 12.45

Group feedback

Session seven: Planet of the APIs: the ride of the platform economy

14.00 - 15.30

Moderated by:

Eyal Sivan

Host

“Mr. Open Banking” Podcast

14.00 - 14.20

Keynote address

Next steps for Newline: redefining embedded payments at scale

Sushil Raja

General Manager, Newline

Fifth Third Bank

14.20 - 14.40

Presentation

Friction to fruition: how to make technology partnerships work

Paul Mullins

COO and Co-Founder

Finkr

14.40 - 15.00

Fireside chat

The VC view: seizing opportunities in the API economy

From BaaS, embedded finance and open API models to agentic payments: how is the API economy changing and which genuinely new categories of fintech are being unlocked as a result?
What do your portfolios tell you about where the most durable value is being created in platform banking today, and how has your investment thesis around bank fintech partnerships evolved over that time?
How should we assess the value of distribution, not simply in terms of client volume, but in terms of the breadth of channels and customer types a platform can reach: banks, fintechs, developers and, increasingly, agents?
Access to the “last mile” of data is becoming increasingly important as financial services moves into the AI economy. How significant is that data-access layer, and where do you see the value accruing?
As API layers connect more third parties, and now AI tools, to financial data, what governance gates, permissioning, auditing and control mechanisms have to exist to make that trust sustainable?
As AI agents are beginning to access financial APIs autonomously, does AI represent the next major platform banking opportunity, or does it threaten the value of the API middleware layer that’s already been built?
Fintech valuations: how is the evolution of BaaS changing the way platform and API businesses are valued are there segments that are still overvalued, undervalued, or just right?

Lucas Timberlake

Executive Director

Fintech Sandbox

Sean Banks

Partner

TTV Capital

15.00 - 15.30

Panel discussion

Building better BaaS and embedded finance business models

From regulatory scrutiny to the Synapse collapse: where does the BaaS market stand today, and has the industry has done enough to earn back trust from regulators and clients?
After the market reset, where are you seeing embedded finance create sustainable enterprise value, and where is it proving to be more hype than reality?
How does the increasing pursuit of charters by FinTechs change the BaaS model? And is that a fundamental threat to the sponsor-bank model, or simply another route to market?
What advantages can a large bank bring to BaaS that are difficult for smaller providers to replicate? What are the key lessons that the newer entrants in this space are still learning?
Meeting client needs: where are we seeing the strongest demand from corporates and fintechs today, and how has that demand changed as clients have become more sophisticated about what they want from BaaS?
Stablecoin business models: how does BaaS infrastructure need to evolve to support stablecoin-based embedded finance, and who in this industry is best positioned to lead that evolution?

Jonathan Sy

Product Director

JPMorgan Chase & Co.

Michelle Swiec

Managing Director, Deal Advisory & Strategy

KPMG

Kent Landvatter

Chief Executive Officer/President

FinWise Bank

Select a stage

Session One: AI and innovation: reinventing the digital-first bank

08.55 - 09.00

Chair's opening remarks

Juliette Foster

Owner

Magnus Communications

09.00 - 09.15

Interview

Keeping the customer at the heart of innovation

Krista Phillips

Chief Customer & Transformation Officer

M&T Bank

09.15 - 09.35

Fireside chat

Building an AI-first bank

Building the first AI-native financial institution: what does ‘AI-native’ actually mean, and why does it require building a new bank rather than just improving the ones we already have?
Taking stock of the challenges: what are the hardest problems to solve (technically, legally, and operationally) in embarking on building an AI-first institution?
When it comes to AI agents making autonomous financial decisions, how prepared are identity and compliance practices today to ensure effective controls and risk management? And what may need to change?
With AI being part of a nexus of change amidst the rise of agentic finance, stablecoins and digital assets, how do you see these trends intersecting?
Over the next 2-4 years, what could agentic finance and commerce actually look like in practical terms? What are the implications for banks and how should they be preparing?

Adam Berrey

Chief Operating Officer

Catena Labs

Theodora Lau

Author "Banking on (Artificial) Intelligence: Navigating the Realities of AI in Financial Services"; Founder

Unconventional Ventures

09.35 - 09.55

Fireside chat

AI Transformation: from business case to banking reinvention

With AI accuracy key to customer-facing solutions, what steps can banks take to achieving more predictable and deterministic outcomes in practice?
How far can incumbent banks really become AI-first on top of their existing core banking infrastructure, and where does AI create a new imperative to modernize the core?
What role can agentic capabilities play in fundamentally changing how modernization of the tech stack is done? And what are the trade-offs for banks to consider?

Ignacio Sarquis

CIO, Retail, Commercial & Digital Banking

Santander NA

Chris Panneck

Principal, Head of AI, Data and Technology Strategy

KPMG

09.55 - 10.25

Leaders' Forum

The AI-powered bank: unlocking enterprise agility and new revenue models

From experimentation to enterprise value: what separates the organizations that are generating measurable business value from those still stuck in experimentation mode?
The AI-powered bank: when you look three to five years ahead, which banking functions are most likely to be fundamentally reinvented by AI, and which are being overhyped today?
Beyond AI as an efficiency tool: where do you see the greatest opportunity for AI to create entirely new products, services, or sources of revenue for banks?
Building the AI-ready enterprise: what are the architectural decisions banks need to make now in cloud, platforms and operating models to avoid creating the next generation of legacy technology?
Data as a competitive advantage: what does a modern data strategy look like in an era where AI models are only as effective as the data that powers them?
The build-versus-buy dilemma: as foundation models evolve rapidly, where should banks differentiate through proprietary AI capabilities and where should they rely on external providers?
Agentic banking: as agents become capable of executing increasingly complex tasks, where do you see the biggest opportunities, and challenges, for deploying autonomous agents in the bank?
Ensuring responsible AI: how should banks redesign governance, controls, and human oversight to enable innovation at pace without creating new risks?

Michael Blanco

Executive Director, Former Wells Fargo

Agenda | MoneyLIVE North America

Kelley Conway

Chief Data and Analytics Officer

Northern Trust

Greg Clark

Managing Director for AI and Data

Bank of Montreal

Rahul Dubey

Chief Growth Officer

Publicis Sapient

Stage 1 - Experience-led banking: designing the next generation of customer value

11.10 - 12.45

Moderated by:

Theodora Lau

Author "Banking on (Artificial) Intelligence: Navigating the Realities of AI in Financial Services"; Founder

Unconventional Ventures

11.10 - 11.30

Fireside chat

Supporting financial wellbeing: what more should banks be doing?

The financial health outlook: are things getting better, getting worse, or just getting more complicated?
The business case for financial wellbeing: Why should a bank care about wellbeing beyond corporate social responsibility?
The financial wellbeing pioneers: who is doing well, and what specifically are they doing differently from everyone else?
AI in financial health: how can it be used by banks to drive better personal financial management insights and tangible benefits for customers?

Jamie Heidrich

Head of Consumer Digital, Account Servicing & Experience

Fifth Third Bank

Jennifer Tescher

Founder and Chief Executive Officer

Financial Health Network

11.30 - 11.50

Advisory

Designing digital banking for every generation: how KeyBank is turning client insights into measurable business impact

Dan Crowley

VP, Strategic Partnerships, VP, Strategic Partnerships

Personetics

11.50 - 12.25

Panel discussion

Reimagining journeys: omnichannel and self-service in the era of AI

Overcoming disjointed channel experiences: where is the gap between what customers expect and what most banks actually deliver right now?
Building an omnichannel model by design: why and how should banks invest in both digital and branches simultaneously for maximum impact?
Harnessing agentic AI in banking: how can banks harness AI to deliver more intelligent, meaningful and context-aware self-service offerings?
Balancing automation and trust: how should banks determine when to let AI handle customer queries and triage and where human connection is necessary?
What are the foundational requirements for successfully deploying agents at this level of complexity, and what does a unified context layer actually unlock for the business?
As omnichannel only works if your data works: how can banks address the data and integration problems that lie underneath the customer experience layer?

Peter Kalen

Chief Executive Officer

Momentum

Philippa O'Hagan

Head of Deployment Execution

HappyRobot

RanDee Platt

SVP, Senior Director of Customer Experience

Santander

12.25 - 12.45

Keynote address

Reducing barriers for women in finance

Kristy Duncan

Founder & CEO

Women in Payments

Stage 2 - Commercial payments: the new landscape

11.10 - 12.45

Moderated by:

Juliette Foster

Owner

Magnus Communications

11.10 - 11.25

Keynote address

Harnessing real-time: revolutionizing bill pay with request for payment

Christopher Ward

EVP, Head of Enterprise Payments

Truist

11.25 - 11.45

Fireside chat

Virtual card innovation: streamlining corporate payments and payouts

From faster supplier onboarding to optimized cash flow: what tangible benefits can virtual cards add to corporate clients?
Harnessing transaction data. How can banks use virtual card data to give clients better insights, stronger forecasting and smarter spend management?
How important is API-first design in moving virtual cards from a standalone payment product into something corporates can embed directly into procurement, ERP and accounts-payable workflows?
Encouraging supplier uptake: what can banks do to help support clients to enrol their vendor base?

Lizzie Wolfe

Head of Commercial Card, Americas Region

HSBC

Toffer Grant

CEO & Founder

PEX

11.45 - 12.25

Panel discussion

Readying corporates for real time: seizing the commercial opportunity

As instant payment adoption matures, where are you seeing real-time payments deliver the strongest commercial use cases and advantages for banks and their clients today?
What continues to stand in the way for corporate adoption? From legacy ERP and accounting software to fraud liability concerns or something else?
How can banks play help clients move towards real-time processing? And what will it take for banks to modernize their own commercial product layer?
What do we know about the fraud rates on instant rails, and what should banks be doing to help clients mitigate those risks?
Beyond integrating real-time rails, where do banks need to invest to ensure they can deliver more sophisticated real-time liquidity management for clients?
From premium APIs to Request for Payment: what value adding services will define the next generation of corporate payments offerings?
As real-time payments become ubiquitous, how can banks differentiate themselves through innovation rather than compete solely on connectivity and price?

Patricia Montesi

Co-Founder & CEO

Qolo

Erik Van Bramer

Senior Vice President, Head of Customer & Industry Relations

Federal Reserve Financial Services

Jim Colassano

SVP of RTP Product Development

The Clearing House

Christopher Ward

EVP, Head of Enterprise Payments

Truist

12.25 - 12.45

Interview

The regulatory outlook for the US banking market

The regulatory outlook: what is the single most significant regulatory shift happening in U.S. banking right now that bankers in this room may be underestimating?
Open banking, consumer choice, and consumer protection: where are we in the journey towards making open data work for customers and what still needs to happen to get it right?
Navigating AI risk: as AI adoption accelerates, what does thoughtful AI regulation in banking actually look like, and are regulators keeping pace with industry innovations?
The GENIUS Act: is the U.S. regulatory framework for stablecoins actually fit for purpose, or are we building on a foundation that will need to be rebuilt in five years?
Learning the lessons from BaaS failures: how do bank-fintech partnerships need to be structured differently going forward to prevent the same mistakes?

Phil Goldfeder

Chief Executive Officer

American Fintech Council

Jelena McWilliams

President, Corporate & External Affairs; Former Chair, Federal Deposit Insurance Corporation (FDIC)

Plaid

Stage 3 - Understanding and tackling modern fraud and financial crime

11.10 - 12.45

Moderated by:

Paul Mullins

COO and Co-Founder

Finkr

11.10 - 11.45

Panel discussion

Intelligent counter fraud: how can data and AI be harnessed effectively?

Where are the key opportunities for AI to help streamline case management workflows and reduce burdens on investigators?
Enhancing the accuracy of fraud detection: Where can AI help to improve risk scoring, threat detection and reduce false positive rates?
Data-ready AI: how should banks be rethinking their data strategies to enable the effective use of AI tools? What are the practical challenges?
From experimentation to production: what are the biggest pain points you see for banks looking to adopt AI in counter fraud workflow and how can they be addressed?
Human-in-the-Loop and governance: how should banks think about how to build effective guardrails to ensure auditable and explainable decision-making and clear human escalation paths?

Devendra Parmar

SVP, Head of Fraud Products - Detection, Decisioning, Alert management and AI Products

Citizens Bank

Richard Galvez

Director, Applied AI

Everpure

11.45 - 12.05

Advisory

LexisNexis Risk Solutions: A global perspective on payments fraud, regulation, and the rise of identity-layer attacks

John Hutton

Global Head of Payments

LexisNexis® Risk Solutions

12.05 - 12.45

Panel discussion

Keeping pace with payments fraud: real-time, checks and P2P

The real time challenge: what do we know so far about the fraud rates seen over real time rails?
Check fraud remains a significant challenge. With fraud rates so much higher on legacy rails how concerned should banks be about real-time payments fraud?
Keeping pace with real time: how is real time payments making obsolete operating models that rely on traditional fraud reviews, manual checks and static rule sets?
Where should banks focus their investment to enable the development of more adaptive models and real-time interdictions?
What are the key innovations in prevention strategies to explore? How can banks use Ai, behavioral signals and device intelligence, to better identify when a payment may be suspicious?

Kathryn Albright

Executive Vice President, Head of Global Payments & Deposits

Columbia Bank

Erin Crawford

Vice President, Head of Consumer Digital Payments & Money Movement

Fifth Third Bank

Kashif Siddiqui

Managing Director, Head of Innovation, Global Payment Solutions

Bank of America

Nick Pearson

AVP Product Management

Nasdaq Verafin

Stage 4 - Think Tank - Decision velocity: the new ROI of agentic banking

11.10 - 12.40

Moderated by:

Genevieve Connor

Head of AI Innovation, Financial Services

Avanade

Rayfield Johnson

Data & AI Technology Lead

Avanade

11.10 - 11.40

Panel discussion

Where can agents drive real efficiencies in bank workflows?

Poonam Rao

SVP Data & AI Product Strategy

Citizens Bank

Ashish Jaiswal

Client Executive - Banking, Insurance, Capital Markets

Avanade

Genevieve Connor

Head of AI Innovation, Financial Services

Avanade

11.40 - 12.25

Group Discussion

In this interactive Think Thank delegates will break into groups to discuss how to address one of four key issues associated with delivering ROI from agentic banking.

The business case: which bank workflows offer the greatest opportunity for agents to improve productivity, reduce costs or accelerate decision-making?
ROI from agentic banking: ow should banks measure the value of agentic AI beyond headcount savings, including customer experience, revenue growth, risk reduction and faster time to market?
Data strategy: what are the key considerations around architecture design and data strategy that are necessary to get the foundations right to scale agentic operations successfully?
Governance and controls: how can banks work with regulators and effectively embed effective guardrails, governance and oversight throughout agentic workflows?

12.25 - 12.40

Group feedback

Stage 1 - Marketing and engagement in the age of AI

13.50 - 15.05

Moderated by:

Juliette Foster

Owner

Magnus Communications

13.50 - 14.10

Keynote address

Rethinking competitive advantage: what AI, tokenization, and agents mean for banking

Pretty Khare

Managing Director, Head of U.S. Strategic Planning

Royal Bank of Canada

14.10 - 14.30

Fireside chat

Understanding the customer: the next phase of predictive AI

Explore how financial institutions can move beyond predictive AI and customer behavior analysis to better understand customer intent, goals, and financial aspirations.
Examine how Agentic AI is transforming customer engagement by enabling AI systems to take action, orchestrate complex workflows, and deliver personalized guidance at scale.
Learn how financial institutions can leverage AI not only to enhance personalization but to help customers feel understood, supported, and confident about their financial future.

Melisa Oytac

Director, AI Technology

Tru Cooperative Bank

14.30 - 15.05

Panel discussion

Marketing in the age of AI: how should bank strategies adapt?

Which marketing use cases are moving furthest beyond experimentation today and what are the practical challenges in getting those capabilities safely into production?
AI-driven engagement: how can banks use first-party transaction data to better predict purchase probability and identify the right moment to engage?
Deeping existing relationships: how can banks effectively use AI to develop smarter cross-selling strategies and deepen existing relationships?
AI content generation: how can banks effectively harness AI for content generation while designing processes for deciding what is good enough, on-brand and appropriate to move forward?
From SEO to GEO: how are AI search behaviours evolving and how do marketers need to rethink marketing content to optimize for the new era of AI search and product discovery?
Synthetic personas: how are banks experimenting with GenAI-powered synthetic customer profiles to simulate customer behaviours? And how far are they likely to enable more precise targeting?
Navigating compliance and risk: how can banks harness the efficiency benefits of AI weakening governance, approvals or regulatory compliance?

Rahul Rajendra Prasad

Senior Vice President of Technology

Citizens Bank

Luis Landivar

Head of Solutions Consulting

Naehas

Dhaval Gala

Director CIM

Scotiabank

Stage 2 - Everyday payments reinvented

13.50 - 15.15

Moderated by:

Jodie Kelley

Chief Executive Officer

Electronic Transactions Association

13.50 - 14.05

Fireside chat

Streamlining payments and cashflow management for SMBs

How should banks look at SMB personas today to design tools that actually fit their specific needs, instead of forcing them into one-size fits all products?
How do banks give small businesses the flexibility they need without overwhelming them with complexity? And what role can more verticalized payment solutions play?
When we look at the economics of serving small businesses, how should banks evaluate whether catering to this specific market niche is actually financially viable for them?

Scott Beyer

SVP, Business Banking Product

US Bank

14.05 - 14.25

Fireside chat

The rise of agentic commerce: ecommerce reinvented

The rise of agentic commerce: how far is AI-led shopping set to redefine customer behaviour and reshape traditional ecommerce as we know it?
The new fraud risks of agentic commerce from agent impersonation, and logic hacking to hallucination disputes: how do bank fraud and dispute mechanisms need to adapt?
Know Your Agent: how can banks and merchants effectively authenticate shopping agents, score the financial trust of AI bots, and prevent first-party “friendly” fraud?
As transactions become increasingly mediated by AI agents, how might the role of payment providers evolve beyond processing transactions toward enabling trusted commerce?

Brady Harrison

Head of Strategy and Execution

Equifax

Norah Coelho

Managing Director, E-Commerce Merchant Products & Solutions

JP Morgan

14.25 - 14.45

Fireside chat

Modernizing the Physical Card Journey: How API-Driven Ecosystems Are Reshaping Card Issuing

Gustavo Menezes

Head of Payments North America

Thales

Bo Jiang

CEO

Lithic

Josh McMahon

Product Management

Capital One

14.45 - 15.15

Panel discussion

Preparing payment architectures for a new wave of innovation

The shift to real-time: how can banks effectively retire overnight batch processing and replace legacy core systems with real-time, 24/7 transaction engines?
ISO 20022: how well-placed are banks to actually deliver on the promise of data modernization? And where will it deliver meaningful results?
API architectures: how can banks harness modular, composable payment stacks to innovate faster, scale flexibly, and embed into customer ecosystems effectively?
Ensuring ROI from payments modernization: how can banks effectively transform payments stacks to reduce total cost of ownership and accelerate time-to-market for new products?
How is AI set to transform payments architectures? Where are we seeing tangible possibilities in how banks orchestrate payments and enhance straight through processing?

Patricia Tripar

Head of Payments & Channels, Wealth Management & Personal Banking

Northern Trust

Amar Shah

Product Office, Head of Banking Platforms

Barclays

Komi Agbodji

VP, Global Payments & Liquidity

Formerly Wells Fargo

Stage 3 - Digital identity, KYC and financial crime

13.50 - 15.00

Moderated by:

Jen Guidi

Chief Executive Officer

ProSight Financial Association

13.50 - 14.20

Panel discussion

Transforming onboarding and KYC for a digital-first world

As fraudsters are becoming more sophisticated, what are the challenges for banks today in building onboarding journeys that remain frictionless for genuine customers?
What role will AI, behavioral biometrics, device intelligence, and real-time risk signals play in defining the next generation of digital identity and KYC?
How should financial institutions rethink onboarding and KYC as a continuous lifecycle rather than a one-time event, and what does that look like in practice?
Could trusted industry-wide data sharing become the next frontier in fraud prevention, and what are the practical, regulatory, and privacy challenges that need to be overcome?
Looking ahead, what will define best-in-class onboarding and KYC over the next three to five years?

Sharell Barshishat

Director, Global Advisory

Biocatch

Priyank Patel

Deputy Chief AML Officer

KeyBank

14.20 - 14.40

Case study

Trust at the Speed of Digital: Building Real-Time Identity Confidence in the AI Era

Brian Burke

VP of Product

AtData, a part of Experian

Nash Ali

Vice President of Strategy

Experian

14.40 - 15.00

Case study

Harnessing agentic AI for dispute management

Shanthi Shanmugam

CEO & Co-Founder

Casap Technologies

Stage 4 - FinTech pitches

13.50 - 13.55

Opening remarks

13.50 - 15.00

Moderated by:

Penny Lee

Chief Executive Officer

Financial Technology Association

13.55 - 14.10

Pitch 1 | Commercial lending, Unified.

Aaron Colcord

Chief Executive Officer

Voyager AI

14.10 - 14.25

Pitch 2

Gordon Campbell

Co-founder | Chief Market & Strategy Officer

RDC.AI

14.25 - 14.40

Pitch 3

Oren Buskila

CEO & Co-Founder

Cobalt

14.40 - 14.55

Pitch 4

Jasmine Mercado

Co-Founder

Vida Financial Blueprint

14.55 - 15.00

Audience voting

Stage 1 - Stablecoins and tokenized deposits: preparing for a new reality

16.00 - 17.00

Opening Keynote address

Moderated by:

Yaya Jata Fanusie

Former CIA; Visiting Fellow, Georgetown University; Global Head of Policy

Aleo Network Foundation

16.00 - 16.05

Keynote address

Stablecoins and privacy: what bankers need to know

Yaya Jata Fanusie

Former CIA; Visiting Fellow, Georgetown University; Global Head of Policy

Aleo Network Foundation

16.05 - 16.25

Fireside chat

Breaking borders with blockchain: streamlining cross border with DLT

Blockchain has been discussed for years—what has changed today that makes DLT a viable solution for cross-border payments?
What specific pain points in cross-border payments can DLT solve better than traditional correspondent banking?
Will blockchain replace correspondent banking, or will it coexist alongside existing payment rails?
How can financial institutions balance innovation with regulatory, compliance, and AML requirements when leveraging DLT for cross-border payments?
Looking ahead five years, what will the future of cross-border payments look like, and what role will DLT play in that ecosystem?

Tisha Dey

Director, Global Transaction Banking, Technology

BMO Capital Markets

16.25 - 17.00

Panel discussion

New business models: assessing the potential of tokenized money

Stablecoins, tokenized deposits, or tokenized money market funds: which of these actually represents the most compelling near term business opportunity, and how should banks evaluate the business cases of each today?
Looking beyond the digital assets space, how can tokenized money become something that genuinely improves the experience for business banking or the retail customer?
From collections to payouts: what payment use cases are driving tangible benefits for corporate clients? And what can be learnt from products on the market today?
From GENIUS to CLARITY: what are the latest developments in the regulatory space and how does the landscape compare between the US and Canada?
What structural changes are going to prove catalysts for the development of tokenized money? And what roles will agentic commerce and AI play?

Tiffany Gradzki

Vice President, Digital Assets & Financial Markets, North America

Northern Trust

Miles Paschini

Chief Executive Officer

FV Bank

Barry Baird

Head of Payments Capability & Delivery

TD Bank

Stage 2 - Next-gen lending: pioneering smarter credit strategies

16.00 - 17.15

Moderated by:

Peter Renton

Co-Founder, Fintech Nexus; Founder & CEO

Renton & Co

16.00 - 16.15

Case study

Embedded SMB lending: two opportunities, not one

Prashant Fuloria

Chief Executive Officer

Fundbox

16.15 - 16.35

Fireside chat

Transforming commercial credit from the inside out: M&T Bank’s transformation journey

Scaling without adding complexity: how can banks redesign operating models to absorb significant increases in users, transactions and support demand?
Turning employee feedback into transformation priorities: How can banks create effective feedback loops between frontline users, operations, product and technology?
Breaking down organizational silos: what does it take to connect operations, technology, product, and learning & development around a common transformation agenda?
Measuring transformation: beyond cost reduction, what metrics should banks use to understand whether operational transformation is actually working?
Lessons from the journey: Looking back at M&T’s commercial credit transformation, what has been hardest to get right, what would you do differently?

Hunia Saghir

Senior Vice President, Commercial Credit

M&T Bank

16.35 - 16.55

Advisory

Throughput, not headcount: how one regional bank put AI inside commercial underwriting

Basile Senesi

Chief Revenue Officer

Ryan Dammeyer

Head of Underwriting and Portfolio Management

Western Alliance Bank

16.55 - 17.15

Fireside chat

AI-powered lending: transforming CX, underwriting and risk management

Automated underwriting: how can banks apply AI to build intelligent decisioning engines that can cross-reference credit information against predefined policies to slash loan processing times?
Alternative data: how can banks use AI to analyse unstructured data and subtle transaction patterns to enhance the accuracy of credit assessments and extend credit to new and underserved segments?
Dynamic risk modelling and default prediction: how can AI help banks to more accurately predict default risks by shifting from static, historical credit scores to real-time, behavioural dynamic modelling?
Personalized lending: how can banks use AI and customer data to more accurately match products to individual borrower profiles and improve acquisition and cross-selling?
How can banks overcome the key technical challenges in AI-powered decisioning? From fragmented, scare or poor-quality data and system integration challenges to algorithmic bias and model drift
Navigating the regulatory challenge: how should banks and regulators work together to understand expectations and enable the safe and responsible adoption of AI in credit risk models and decisioning?

Swati Dublish

Vice President, BFS Solutions

Innova Solutions

Hunia Saghir

Senior Vice President, Commercial Credit

M&T Bank

Stage 3 - Fincrime, cyber and operational resilience: the engine of risk reduction

16.00 - 17.00

Moderated by:

Juliette Foster

Owner

Magnus Communications

16.00 - 16.25

Fireside chat

Realizing the potential of agentic AI in fraud, financial crime and cybersecurity workflows

With an explosion in AI-enabled fraud: which attack vectors concern you most today, and why are traditional security approaches no longer sufficient?
While attackers are using AI to scale threats, defenders are also leveraging AI to fight back. Which AI capabilities are already delivering measurable value in cybersecurity today, and where do you believe AI still falls short?
One of the biggest promises of AI is reducing the operational burden. Where are the biggest opportunities that AI agents can bring to streamlining cybersecurity and compliance workflows?
As organizations deploy AI agents, they’re also introducing entirely new attack surfaces. How should security leaders think about risks such as hallucinations, prompt injection, data leakage, tool misuse, and adversarial manipulation?

Hariom Tatsat

Director, AI Quant

Barclays

Eli Wachs

CEO & Co-founder

Footprint

16.25 - 17.00

Panel discussion

Vendor vulnerabilities: navigating concentration and nth-party risk

Keeping pace with regulatory expectations: how are banks working to meet the Interagency Guidance on Third-Party Relationships?
How are banks currently modelling vendor risk? What are the key metrics and indicators that are being used currently? And how is AI set to influence it?
Vendor due diligence: how can banks ensure they ask the right questions of vendors? How do banks need to treat AI vendors differently? And what kinds of due diligence questions should we be asking with how vendors are using AI today?
Enabling continuous TPRM: how can banks make the shift towards more ongoing real-time cybersecurity monitoring to ensure continuous evaluation of vendor risk?
Beyond TPRM: why are pressures on banks shifting from a focus on monitoring primary vendors to a wider focus on fourth party and n-parties? And how can banks effectively map sub-contractor ecosystems and shine a light on N-th party risks?
Exit and transition strategies: how can banks effectively embed compliance into contracts and establish clear plans for data migration and transition?

Rajat Baijal

Adjunct Professor - M.S. in Enterprise Risk Management, Columbia University

Agenda | MoneyLIVE North America

Jennifer Petsu

SVP, Third Party Risk Management Director

Customers Bank

Select a stage

Session five: Establishing a competitive edge in a changing market

09.00 - 09.05

Chair’s opening remarks

Juliette Foster

Owner

Magnus Communications

09.05 - 09.25

Keynote address

More human, less friction: using AI to put people first

Nadim Homsany

Co-Founder, EarnUp; Senior Vice President & Head of AI

BECU

09.25 - 09.45

Advisory

Agentic Banking: Building Trust in the Age of AI

Rizwan Khalfan

EVP and Vice Chair, Strategic Growth, Innovation & Partnerships

TD Bank

09.45 - 10.05

Interview

Keeping up with the challengers: lessons from the digital-native banks

What are the key advantages that neobanks have against incumbents versus the advantages that incumbents still have versus challengers today?
If customers increasingly expect financial services to work like the best digital products where are incumbents still creating unnecessary friction, and which capabilities should incumbents be prioritizing to close that gap?
Most incumbents cannot simply replace decades of core infrastructure. How can banks create challenger-level agility given the legacy frictions and controls already embedded in their core?
What lessons can incumbents learn about how to build speed into their product development? And how can incumbents move towards modular, configurable solutions?
Personalization in practice: banks already have enormous amounts of behavioral and transactional data. What prevents them from using those signals to make more personalized and tailored services?
Digital challengers are able to experiment and iterate quickly with innovations such as customer-facing AI. Where do you see AI transforming financial services and what can incumbents learn from the latest innovations from challengers today?

Rob Rooney

CEO and co-founder

Hyperlayer

10.05 - 10.35

Panel discussion

Innovating through FinTech ventures: the key to successful partnerships

When it comes to where banks are focusing energy and resources into strategic investment today, what key trends stand out to you as areas that are driving partnerships and investment today and why?
How should banks evaluate a fintech investment differently when the primary goal is strategic partnership rather than financial return, and what happens when those two objectives conflict?
Due diligence and compliance: what are the operational and compliance realities that banks consistently underestimate when they enter a fintech partnership, and what does good due diligence actually look like?
From evaluating new capabilities to managing risks: how is AI changing the way banks think about which fintechs to partner with and how those partnerships are structured?
If you could give every bank executive in this room one piece of advice about building fintech partnerships that actually scale, based on what you’ve seen work and what you’ve seen fail, what would it be?

Mary Joseph

Senior Vice President, Strategic Investments

Citi

Caitlyn Mullins-Smith

Vice President & Director

NEACH Payments Group

Seerat Kaler

Manager - Emerging Partnerships & Digital Innovation Fund

BMO Financial Group

Stage 1 - Smart operations: AI and digital transformation in action

11.20 - 12.45

Moderated by:

Juliette Foster

Owner

Magnus Communications

11.20 - 11.35

Keynote address

The autonomous enterprise: intelligent workflows, robotics, and the future of financial services

Sanjoy Sarkar

SVP, Senior Director | Head of Enterprise Workflow Automation & Robotics

First Citizens Bank

11.35 - 11.55

Fireside chat

Realizing the AI revolution in software and product engineering

Vibe-coding and beyond: how can banks harness AI to write, refactor, and test code and expand the capacity of developers?
Quality and reliability: how can banks ensure that AI-generated or refactored code meets the levels of quality, security and resilience required for critical banking applications?
The efficiency impact: to what extent can AI reduce integration-pipeline times, lower software investment costs, and enable faster deployments at speed?
What are the biggest barriers to moving AI-assisted software development from experiments into production environments at bank scale?

Rachel Castro

SVP, Business Banking Partnerships & Channel Growth

US Bank

Monica Hernandez

CEO & Founder

MAS Global

11.55 - 12.15

Advisory

Why most AI agents fail in production (and how to make sure yours don't)

AJ Asver

CEO & Co-Founder

Grep.ai

12.15 - 12.45

Panel discussion

Engineering control into AI agents: the practicalities of responsible AI

Hallucinations, prompt injections, manipulations and data exposure: what are the key new vulnerabilities, risks and attack vectors that the use of AI agents pose?
Building bounded architectures: how can banks use the principle of least privilege to ensure agents cannot execute outside of predefined parameters?
Agentic identity and traceability: how can banks provide agents with unique identities and establish effective logging process to develop transparent audit trails for every agent action?
Operationalizing human-in-the-loop and human-above-the loop: how can banks build robust human oversight through clearly defined confidence thresholds, escalation pathways and exceptions handling?
Continuous auditing and adversarial testing: how can banks continuously test AI models and agents against simulated cyber threats to identify weaknesses, bias, and potential tool misuse?

Diana Rothfuss

Global Director, Industry Solutions - Financial Services Company name: SAS

SAS

Harry Wang

Director Analytics

Fifth Third Bank

Hariom Tatsat

Director, AI Quant

Barclays

Stage 2 - Winning strategies for banks in the open data economy

11.20 - 12.45

Moderated by:

Michelle Beyo

Chief Executive Officer

Finavator

11.20 - 11.35

Keynote address

Open banking, open questions: what every player needs to know right now

Jean-Paul LaClair

Head of Product and Technology

Financial Data Exchange

11.35 - 11.55

Fireside chat

Open payments propositions: assessing the alternative to cards

How real is the A2A opportunity, and how urgently are corporate clients actually asking for it?
Where in the corporate payments stack are we seeing the most compelling traction for open payment alternatives right now?
When discussing open payment alternatives, what are the key questions clients ask, and what are the objections that still come up most frequently?
If open payments and A2A are so compelling why haven’t they taken more market share from cards already? What are the structural, technical, or behavioral barriers that are slowing adoption?

Rene Schuurman

Director, CashPro Product Manager

Bank of America

11.55 - 12.15

Advisory

Harnessing open data: from bank connectivity to customer impact

Etan Grosinger

Partnership Manager

Plaid

Ben Kelbaugh

Account Executive

Plaid

12.15 - 12.45

Panel discussion

The open data economy: making open data work for customers

What separates banks that are genuinely making open data work for customers from those treating it strictly as a compliance exercise?
What has been the hardest part of turning open banking into something that genuinely improves customer experience, and where are we seeing the most meaningful results?
Open banking only works at scale if customers trust it. How do banks build genuine, informed trust rather than passive consent?
AI dramatically accelerating open data value but it also amplifies misuse risks. How should banks think about the intersection of open data and AI today?
Many countries have already moved beyond open banking into open finance:Where does your market stand today, and where do you see it moving over the next five years?

Anthony Burton

SVP, Head of Open Banking

Truist

Alejandro Servin

Head of Embedded Finance

BBVA Mexico

Paul LaRusso

Chief Executive Officer

Akoya

Stage 3 - Community banks and credit unions: modern tools for local impact

11.20 - 12.45

Moderated by:

Samer Saab

SVP of Product

Alloy Labs

11.20 - 11.35

Interview

Lessons from the trenches: organizing and partnering to digitally transform the bank

Sarah Grooms

Chief of Staff, Banking

Wintrust

11.35 - 12.15

Panel discussion

The modernization playbook: bringing institutional-grade efficiency to local banking

What are the technology investments that consistently move the needle most for community banks trying to achieve institutional-grade efficiency?
How do you think about the build vs. buy vs. partner decision, and what should community bank leaders be asking before they sign a contract with a fintech vendor?
With smaller teams and tighter budgets: where is AI actually delivering measurable value for community institutions right now, and where is it still more hype than help?
Navigating change management: how can community bank bring people along on a modernization journey without breaking the culture that makes the institution special?

Carey Ransom

Managing Director

BankTech Ventures

Philip Barnes

CIO – Community Banking & Wealth Management

Old National Bank

Sahar Nezami

VP, Enterprise Data & Analytics

Meridian Credit Union

Matt Wilson

Chief Customer Officer

Engageware

12.15 - 12.45

Fireside chat

Defining your niche: learning from successful business models

Define your niche: what does having a genuine niche actually mean for a community financial institution, and how do you know if you have one?
Balancing the personal with scale: how do you maintain a niche identity at scale, and what role do omnichannel member experiences play in keeping that identity alive?
Investing in digital capabilities: what should community banks learn from how to compete on experience without losing what makes them local?
How do you stay ahead of competitors that have more capital, more technology, and no local relationship overhead to maintain?
Defining the people strategy around your niche: how do you ensure that there are effective accountability structures in place to help execute your strategy?
How do you stay ahead of competitors that have more capital, more technology, and no local relationship overhead to maintain?

Jason Rudman

Executive Vice President and Chief Member and Digital Experience Officer

BECU

Phil Suckow

Chief Operating Officer

Prevail Bank

Eric Schurr

Chief Strategy Officer

Sunrise Banks

Stage 4 - Think Tank - Reimagining digital business banking experiences

11.20 - 12.45

Moderated by:

Paul Mullins

COO and Co-Founder

Finkr

11.20 - 11.35

Case study

Beyond one size fits all: creating personal and progressive experiences as businesses grow

Jamie Yang

VP, Digital Product Commercialization Strategy

JPMorgan Chase & Co.

11.35 - 11.50

Keynote address

Winning in a digital banking world

What if AI makes great bankers even more valuable?

Meline Gasparyan

Head of Business Banking Treasury Solutions,

Citizens Bank

11.50 - 12.35

Group discussion

In this interactive workshop, delegates will break into 4 groups to discuss how to address one of four key challenges faced in delivering effective digital business banking experiences.

What are the biggest sources of friction in today’s digital business banking journeys, why have they persisted and how can they be addressed?

What does effective relationship management look like in an increasingly digital world? Which interactions should remain relationship-led, and which should become fully digital?

How do businesses’ digital banking needs change as they grow from SMEs into larger commercial organisations? And how can banks effectively serve them throughout?

Where can banks use AI to meaningfully add value to SMEs? And how does the value that AI can add change at different points in the SME lifecycle?

12.35 - 12.45

Group feedback

Session seven: Planet of the APIs: the ride of the platform economy

14.00 - 15.30

Moderated by:

Eyal Sivan

Host

“Mr. Open Banking” Podcast

14.00 - 14.20

Keynote address

Next steps for Newline: redefining embedded payments at scale

Sushil Raja

General Manager, Newline

Fifth Third Bank

14.20 - 14.40

Presentation

Friction to fruition: how to make technology partnerships work

Paul Mullins

COO and Co-Founder

Finkr

14.40 - 15.00

Fireside chat

The VC view: seizing opportunities in the API economy

From BaaS, embedded finance and open API models to agentic payments: how is the API economy changing and which genuinely new categories of fintech are being unlocked as a result?
What do your portfolios tell you about where the most durable value is being created in platform banking today, and how has your investment thesis around bank fintech partnerships evolved over that time?
How should we assess the value of distribution, not simply in terms of client volume, but in terms of the breadth of channels and customer types a platform can reach: banks, fintechs, developers and, increasingly, agents?
Access to the “last mile” of data is becoming increasingly important as financial services moves into the AI economy. How significant is that data-access layer, and where do you see the value accruing?
As API layers connect more third parties, and now AI tools, to financial data, what governance gates, permissioning, auditing and control mechanisms have to exist to make that trust sustainable?
As AI agents are beginning to access financial APIs autonomously, does AI represent the next major platform banking opportunity, or does it threaten the value of the API middleware layer that’s already been built?
Fintech valuations: how is the evolution of BaaS changing the way platform and API businesses are valued are there segments that are still overvalued, undervalued, or just right?

Lucas Timberlake

Executive Director

Fintech Sandbox

Sean Banks

Partner

TTV Capital

15.00 - 15.30

Panel discussion

Building better BaaS and embedded finance business models

From regulatory scrutiny to the Synapse collapse: where does the BaaS market stand today, and has the industry has done enough to earn back trust from regulators and clients?
After the market reset, where are you seeing embedded finance create sustainable enterprise value, and where is it proving to be more hype than reality?
How does the increasing pursuit of charters by FinTechs change the BaaS model? And is that a fundamental threat to the sponsor-bank model, or simply another route to market?
What advantages can a large bank bring to BaaS that are difficult for smaller providers to replicate? What are the key lessons that the newer entrants in this space are still learning?
Meeting client needs: where are we seeing the strongest demand from corporates and fintechs today, and how has that demand changed as clients have become more sophisticated about what they want from BaaS?
Stablecoin business models: how does BaaS infrastructure need to evolve to support stablecoin-based embedded finance, and who in this industry is best positioned to lead that evolution?

Jonathan Sy

Product Director

JPMorgan Chase & Co.

Michelle Swiec

Managing Director, Deal Advisory & Strategy

KPMG

Kent Landvatter

Chief Executive Officer/President

FinWise Bank

Agenda at a glance

Take a look at the hot topics at this year's banking and payments event.

Day 1
____

STAGE 1

Banking strategy and innovation

CEO keynotes

Revolut case study

Leaders Forum panel discussion

Startup City

Founders' journeys panel and Q&A

STAGE 1

Banking strategy: the key drivers

Chief Economist forum

Navigating regulatory and policy change

Challenger bank growth strategy

STAGE 2

Payments infrastructure

Cross border payments

ISO 20022

Instant payments

Modernising architectures

STAGE 3

Digital ID and authentication

EU Digital Identity Wallets

The Large-Scale Pilots

Digital ID and fraud

Next-gen authentication

STAGE 4

AI and operations

AI case study

Streamlining workflows

Coding and software development

Optimising operations

STAGE 5

Workshop:
vulnerability and accessibility

Achieving digital excellence for all

Group discussion

Startup City

Green transition opportunities

Innovative SME solutions

STAGE 1

CX and engagement

Protecting vulnerable customers

The AI revolution in CX

Personalisation

Customer strategic priorities

STAGE 2

Open banking payments

The latest on the SPAA

A2A global successes

Commercial propositions

STAGE 3

Anti-financial crime

Vulnerable customers

AML and perpetual KYC

Preventing APP fraud

Data, analytics and AI

STAGE 4

Legacy modernisation

Creating the agile bank

Cloud migration

Data maturity roadmap

Core modernisation

STAGE 5

Workshop:
AI governance

Establishing effective AI governance

Group discussion

Startup City

Scale-up strategies

Cross-border expansion

STAGE 1

Consumer lending

Orchestrating the housing ecosystem

AI in credit risk modelling

Optimising collections

Embedded lending strategies

STAGE 2

Payment wallets and cards

Google Pay case study

The latest on the EPI's Wero

Adding value to cards

Alternative payment methods

STAGE 3

Resilience and security

Navigating global regulation

IT security to third party risks

AI and cybersecurity

DORA compliance

Startup City

The venture capitalist view: what to look for in a winning start-up

Overcoming partnership pain points

The Official After Party

Day 2
____

STAGE 1

Open banking commercial models

NatWest Boxed: BaaS case study

The Future Entity: latest from OBL

Premium APIs and BaaS commercial models

Startup City

Identity and fraud solutions

Empowering future generations

STAGE 1

Open finance

FIDA: open data in Europe

The UK smart data roadmap

Future of open banking, insurance and pensions

Open data beyond finance

STAGE 2

Optimising payments for merchants

Evolution of eCommerce

One-click payments

SoftPoS and self-checkout

Acquirer propositions

STAGE 3

Building Societies: mortgage innovation

High LTV product innovation

Seamless mortgage journeys

First-time buyer market

Product strategies

STAGE 4

Green Transition

Modelling and mitigating climate risk

ESG compliance: data and reporting

Green financing innovation

StartUp City:
Bank Workshop

Bank participants will identify a pain point from their own organisation to generate a problem statement for start-ups to address

STAGE 1

Digital currencies and blockchain

The digital euro

The regulated liability network

Smart contracts

Commercial and central bank digital currencies

STAGE 2

Better serving SMEs

The SME banking experience

Streamlining corporate onboarding

Treasury management

SME lending

STAGE 3