About the Summit
Kinfos Events proudly presents the 10th Annual Instant Payments & Fraud Management Summit – European Edition, taking place in Frankfurt on 23 April 2026.
As Europe enters a new era of real-time payments, driven by the Instant Payments Regulation (IPR), this high-level summit brings together over 150 senior leaders from across the banking, payments, and fintech ecosystem.
With less than 20% of SEPA credit transfers currently processed as instant, and this figure expected to rise sharply in 2025–26, the timing couldn’t be more critical. The summit provides a comprehensive exploration of instant payments adoption, fraud management, regulatory compliance, and innovation across the EU—featuring case studies, policy insights, and implementation success stories from leading institutions.
Join regulators, banks, PSPs, and innovators to explore how instant payments are transforming the European financial landscape—from SEPA to cross-border and beyond.
Why This Summit Is Unique
Unlike broader fintech conferences, this summit offers a deep dive into the intersection of instant payments and fraud management—two of the most mission-critical topics for financial institutions today. The event features:
- Exclusive updates on EU Instant Payments Regulation (IPR) and SEPA Instant adoption.
- Insights from ECB, EBA, and leading European PSPs on implementation and interoperability.
- Deep dives into cross-border and pan-European payment initiatives such as EPI and TIPS.
- Interactive sessions with live case studies and expert panels.
- An interactive platform to connect with banks, fintechs, and payment innovators shaping Europe’s instant future.
Key Topics & Themes
The 2026 agenda is designed around five core themes shaping the future of instant payments in Europe:
Session 1: The State of Instant Payments in Europe: Progress, Adoption & Interoperability
With the first IPR deadlines now behind us, Europe stands at a pivotal point between compliance and commercialization. This opening session will examine progress under the Instant Payments Regulation, what worked, what broke, and what we’ve learned from implementing VoP, sanctions-screening, and pricing obligations and how these lessons can guide the next phase of instant payment innovation and oversight. Real adoption trends across SEPA markets, and the evolving interoperability between SCT Inst, RT1, TIPS, and national schemes. Senior voices from the ECB, EPC, and leading banks will discuss what true pan-European reach looks like - and what remains to be solved.
Session 2: Beyond Compliance: Building Value Through Overlays & Request-to-Pay
As instant payments become the baseline, growth now depends on the overlays. This discussion explores the rise of Request-to-Pay (SRTP v4.0), Confirmation of Payee, and instant refund frameworks that are transforming bill-to-cash, merchant checkout, and recurring payments. Speakers will uncover how banks and fintechs can monetize these layers while enhancing customer experience and trust.
Session 3: Fighting Financial Crime in Real Time: Risk, Fraud & Trust in an Always-On Payments World
As instant payments scale across Europe, the speed that powers innovation also amplifies exposure. This session explores how financial institutions are transforming their risk, fraud, and compliance frameworks to operate at Instant velocity. Experts will discuss the rise of AI-driven behavioral analytics, data orchestration, and instant sanctions-screening that detect anomalies within seconds without disrupting customer experience. Treasury and operations leaders will also share how Instant liquidity visibility and risk intelligence are becoming core to maintaining trust, resilience, and regulatory confidence in a 24/7 economy.
Session 4: Pay by Bank & the New Instant Retail Experience
Pay by Bank is redefining the European checkout. With open-banking APIs, ISO 20022 data, and SRTP convergence, merchants can now offer direct A2A payments with instant settlement and lower cost. This session gathers banks, gateways, and retailers to debate whether 2026 will be the year Pay by Bank becomes mainstream and how traditional card networks and acquirers are repositioning to coexist or compete.
Session 5: Agentic Payments & the Autonomous Transaction Layer
AI is moving from supporting payments to initiating them. Agentic payments enable autonomous, real-time money movement but also introduce new challenges around trust, liability, explainability, and fraud. This session brings together banks, regulators, PSPs, and innovators to define how Europe can build safe, compliant, and interoperable agent-driven payment systems as AI becomes an independent actor in transactions.
Why You Should Attend
Gain first-hand insights from regulators, banks, and innovators leading Europe’s instant payments transformation. Learn from real-world case studies on IPR compliance, fraud prevention, and infrastructure modernization. Network with senior payments executives, risk leaders, and solution providers driving innovation across the SEPA zone and beyond.
Join us in Frankfurt and be part of the movement shaping the future of instant, secure, and intelligent payments in Europe.
