Brief Agenda MM - Kinfos Events

MONEY Movement
Summit

2026 Agenda

Explore the agenda featuring the hot topics that will be covered at the event.

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08:30

Registration & Morning Networking

09:00 - 09:05

Conference Chair’s Welcome Remarks

Senior Executive

TBC

Morning Panel Session

09:05 – 10:05

The State of Money Movement: Platforms, Policy and the Future of Money in Motion

How would you describe money movement today across platforms, banks, and networks?
Are we moving toward a unified ecosystem or more fragmentation?
How are P2P platforms and wallets reshaping consumer behavior?
What role should banks play as platforms own more of the customer experience?
How are policy and macro conditions shaping money movement today?
Where do stablecoins and digital money fit in the ecosystem?
Is the system becoming more efficient or more complex?
How are trust, security, and fraud evolving with faster payments?
Who controls money movement today—the bank, the network, or the platform?
What will define the next phase of money movement?

Senior Executive

TBC

Senior Executive

TBC

Shreya Singh

Executive Director, Commercial Digital Products

Senior Executive

TBC

Senior Executive

TBC

Senior Executive

TBC

10:05 – 10:30

From Real-Time Access to Real-Time Scale: Rethinking Money Movement Infrastructure

What does it take to move from real-time access to true real-time scale across the bank?
How should infrastructure evolve to support a resilient, always-on payments environment?
How can institutions balance speed with control in real-time fraud, risk, and compliance?
How do banks move from siloed rails to intelligent, unified money movement systems?

Senior Executive

TBC

Morning Networking Break/ Pre-Arranged Meetings (30 minutes)

11:00 – 11:25

Modernizing U.S. Payment Infrastructure: Adoption, Trust & the Next Phase of Instant Settlement

What are the key learnings from scaling FedNow across 1,500+ institutions?
How is the Fed enabling broader adoption and real-world use cases beyond early adopters?
What new approaches are being introduced to strengthen fraud prevention and payment integrity?
How are APIs, ISO 20022, and modernization efforts shaping the next phase of U.S. payment infrastructure?

Mollie Markham

Industry Relations Manager

11:25 – 12:15

Panel 1 : From Batch to Always-On: How Banks Are Scaling Real-Time Infrastructure

How would you describe money movement today across platforms, banks, and networks?
Are we moving toward a unified ecosystem or more fragmentation?
How are P2P platforms and wallets reshaping consumer behavior?
What role should banks play as platforms own more of the customer experience?
How are policy and macro conditions shaping money movement today?
Where do stablecoins and digital money fit in the ecosystem?
Is the system becoming more efficient or more complex?
How are trust, security, and fraud evolving with faster payments?
Who controls money movement today—the bank, the network, or the platform?
What will define the next phase of money movement?

Miyoshi Lee

Head of US Real-Time Payments

Candace Wenzel

Director, Treasury &Trade Solutions

Christopher Misener

Director, Real-Time & Emerging Payments

2 Senior Executives

TBC

Senior Executives

TBC

Senior Executives

TBC

12:15 – 12:35

The U.S. Instant Payments Race: RTP® at Scale and the Reality of Adoption

With RTP crossing 2M+ payments/day, which use cases are truly driving growth?
With 70%+ account reach, what’s still limiting full adoption?
How are RfP and rich data unlocking real revenue beyond speed?
How is RTP solving real-time liquidity and cash flow needs for businesses?
What defines success now—volume, use cases, or monetization?

Senior Executive

Available for TCH

12:35 – 12:55

Beyond Legacy: Designing Core Infrastructure for Continuous Money Movement

What does it really take to move from legacy cores to continuous, real-time processing?
How can banks modernize core infrastructure without disrupting stability and scale?
Where should institutions rebuild vs layer, and what drives that decision?
How do you design core systems that are resilient, interoperable, and future-ready?

Senior Executive

Available for Gold Sponsor

11:00 – 11:25

When Payments Become Autonomous: Redefining Consent, Control & Execution in the Age of AI

What are the key learnings from scaling FedNow across 1,500+ institutions?
How is the Fed enabling broader adoption and real-world use cases beyond early adopters?
What new approaches are being introduced to strengthen fraud prevention and payment integrity?
How are APIs, ISO 20022, and modernization efforts shaping the next phase of U.S. payment infrastructure?

Subhrajyoti Mukhopadhyay

Executive Director - Payments Enterprise Architecture

11:25 – 12:15

Panel 1 : When AI Moves Money: Intelligence, Autonomy and the Future of Control

AI just improving payments—or fundamentally redefining how money moves?
Where is AI creating real value today—fraud, routing, or decisioning?
Are we moving toward AI-driven orchestration across payment rails?
How much control are banks willing to hand over to AI systems?
Can AI increase speed and efficiency without amplifying systemic risk?
Is AI simplifying payments—or making them harder to understand and govern?
How do you build trust when critical payment decisions are made by models?
Are banks building their own AI capabilities—or relying on external intelligence layers?
What happens when AI systems start interacting across banks, networks, and platforms?
In the next 3–5 years, what will AI control that humans manage today?

4 Senior Executives

TBC

Senior Executives

TBC

Senior Executives

TBC

12:15 – 12:35

From Data to Decisions — Powering the Next Wave of AI-Driven Finance

How are firms moving from fragmented data to unified, real-time decisioning layers?
Where should human oversight remain as AI takes on financial decision-making?
How do institutions ensure explainability and auditability in AI-driven actions?
What architecture enables AI decision engines to integrate with legacy cores and APIs?

Senior Executive

TBC

12:35 – 12:55

Data modernisation: strategies for an era of personalisation and AI

What does it really take to move from legacy cores to continuous, real-time processing?
What does being ‘AI‑ready’ actually mean today, even before you switch specific AI use cases on?
Core transformation as step one: how is a strong digital core essential to lay the foundation for AI?
A use-case approach: how can banks identify the data maturity they require for their AI and personalisation goals?
Transforming data management: what steps do banks need to take to ensure quality and real-time data access for AI use cases?

Senior Executive

TBC

Morning Networking Break/ Pre-Arranged Meetings (30 minutes)

01:55 – 02:40

Panel 2: Fraud at Machine Speed: Detection, Decisioning and the New Economics of Loss

In real-time payments, are we still preventing fraud or just deciding who takes the loss?
At sub-second speeds, how much control do banks really have without adding friction?
Is AI genuinely improving fraud outcomes, or just helping us react faster to the same problems?
How do you detect fraud when everything looks legitimate from the user side?
Are banks prepared for the rise of scams and first-party fraud, where the customer is part of the transaction?
With so much data available, are teams getting better insights or just more noise?
In instant payments, who really owns fraud risk today?
Is the industry moving toward managing fraud losses instead of trying to eliminate them?
Are we keeping up with fraudsters, or just constantly playing catch-up?
What’s one assumption about fraud that banks need to rethink in the next few years?

Roderick Brown

SVP, Wholesale Payments Fraud Control Solutions

3 Senior Executives

TBC

Senior Executives

TBC

Senior Executives

TBC

02:40 – 03:00

Fighting Fraud at Machine Speed: Can Risk Keep Up with Real-Time?

In sub-second payments, is fraud prevention still decisioning—or just risk acceptance?
Are we shifting from stopping fraud to managing losses in a real-time world?
Can AI truly detect intent in real time, or is it just reacting faster to the same signals?
Who takes the hit in instant payments—the bank, the network, or the customer?

Senior Executives

TBC

03:45 – 04:00

Powering Machine Payments — Cloud, Data, and Event-Driven Architectures for Real-Time Ecosystems

A focused session on how cloud platforms and data infrastructure are enabling the next generation of machine-to-machine payments. It explores how event-driven architectures, IoT connectivity, and real-time data processing are allowing institutions to orchestrate automated transactions, integrate devices into payment ecosystems, and support scalable, secure, and low-latency financial interactions across connected environments.

Senior Executive

TBC

01:55 – 02:40

Panel 2: Stablecoins & Tokenized Money — Are Banks Rebuilding the Core of Financial Infrastructure?

In real-time payments, are we still preventing fraud or just deciding who takes the loss?
Where are banks today on stablecoins—pilot, production, or strategic priority?
Are stablecoins becoming a settlement layer or just another payment rail?
How are bank-issued stablecoins and tokenized deposits changing liquidity and balance sheet dynamics?
What real use cases are gaining traction—cross-border, treasury, or on-chain settlement?
How are banks integrating stablecoins with existing rails like ACH, RTP, and cards?
What role do regulation and new US frameworks play in accelerating institutional adoption?
Are partnerships with fintechs and crypto-native firms becoming essential for scale?
What are the biggest risks—disintermediation, compliance, or operational complexity?

Arijit Das

SVP, Digital Asset Innovation Technology

Jennifer B. Lassiter

MD and Head of Digital Assets, Americas & Europe

Sai Kailash

Vice President, Crypto Product

Senior Executives

TBC

Senior Executives

TBC

02:40 – 03:00

Building the Internet-Native Money Layer — Stablecoins, Trust & the Future of Settlement

In sub-second payments, is fraud prevention still decisioning—or just risk acceptance?
How are regulated stablecoins like USDC becoming a real-time settlement layer?
Where are banks deploying stablecoins across cross-border, treasury, and on-chain use cases?
How are trust, transparency, and regulation driving institutional adoption?
What will define the next phase—interoperability, programmability, or scale?

Senior Executives

Available for Silver Sponsor

03:00 - 03:45

Panel 3 : Machine-to-Machine Payments — From Early Deployments to Scalable Infrastructure

Which real-world M2M use cases (mobility, energy, IoT) are already live or in pilot today?
What specific transaction flows are being automated end-to-end without human intervention?
In which use cases are micropayments or continuous settlement proving most viable today?
How are identity and authorization handled for machines in these deployed scenarios?
What integration patterns are banks using to connect existing payment rails with device-driven ecosystems?
Where are current implementations encountering friction—technical, regulatory, or commercial?
Which business models are emerging around machine-led transactions and embedded billing?
How are risk, fraud, and compliance being managed in these automated environments?
What use case is most likely to scale first into mainstream adoption, and why?

Anirban Banerjee

VP, Director of Digital Strategy & Products

Kasinath Rout

Director of Architecture

2 Senior Executives

TBC

Senior Executives

TBC

Senior Executives

TBC

03:45 – 04:00

Powering Machine Payments — Cloud, Data, and Event-Driven Architectures for Real-Time Ecosystems

A focused session on how cloud platforms and data infrastructure are enabling the next generation of machine-to-machine payments. It explores how event-driven architectures, IoT connectivity, and real-time data processing are allowing institutions to orchestrate automated transactions, integrate devices into payment ecosystems, and support scalable, secure, and low-latency financial interactions across connected environments.

Senior Executive

TBC

03:00 - 03:45

Panel 3 : Funding the Instant Economy: Liquidity, Treasury & Real-Time Control

How has real-time settlement changed liquidity management in U.S. banks day to day?
Are current prefunding models for RTP and FedNow sustainable as volumes scale?
How are banks managing liquidity across multiple rails without fragmenting capital?
Do banks have true real-time visibility of cash positions, or is that still aspirational?
How is treasury evolving—from end-of-day forecasting to continuous decisioning?
What happens in a stress scenario—are current liquidity frameworks built for real-time shocks?
What needs to change to make real-time liquidity truly scalable—technology, policy, or operating models?

Howard Lemons

SVP, Director of Treasury Management Product Management

Kenneth Lehmann

Director - Treasury Product Manager / Global Payments

Andrew Matheou

MD & Sector Head, Capital Markets - Global Transaction Banking

Senior Executives

Available for Panel Sponsor

Senior Executives

Moderator

03:45

SHIFT TO STAGE 1

01:55 – 02:40

Panel 2: Fraud at Machine Speed: Detection, Decisioning and the New Economics of Loss

In real-time payments, are we still preventing fraud or just deciding who takes the loss?
At sub-second speeds, how much control do banks really have without adding friction?
Is AI genuinely improving fraud outcomes, or just helping us react faster to the same problems?
How do you detect fraud when everything looks legitimate from the user side?
Are banks prepared for the rise of scams and first-party fraud, where the customer is part of the transaction?
With so much data available, are teams getting better insights or just more noise?
In instant payments, who really owns fraud risk today?
Is the industry moving toward managing fraud losses instead of trying to eliminate them?
Are we keeping up with fraudsters, or just constantly playing catch-up?
What’s one assumption about fraud that banks need to rethink in the next few years?

Roderick Brown

SVP, Wholesale Payments Fraud Control Solutions

3 Senior Executives

TBC

Senior Executives

TBC

Senior Executives

TBC

02:40 – 03:00

Fighting Fraud at Machine Speed: Can Risk Keep Up with Real-Time?

In sub-second payments, is fraud prevention still decisioning—or just risk acceptance?
Are we shifting from stopping fraud to managing losses in a real-time world?
Can AI truly detect intent in real time, or is it just reacting faster to the same signals?
Who takes the hit in instant payments—the bank, the network, or the customer?

Senior Executives

TBC

03:45 – 04:00

Powering Machine Payments — Cloud, Data, and Event-Driven Architectures for Real-Time Ecosystems

A focused session on how cloud platforms and data infrastructure are enabling the next generation of machine-to-machine payments. It explores how event-driven architectures, IoT connectivity, and real-time data processing are allowing institutions to orchestrate automated transactions, integrate devices into payment ecosystems, and support scalable, secure, and low-latency financial interactions across connected environments.

Senior Executive

TBC

03:00 – 03:45

Panel 3 : Funding the Instant Economy: Liquidity, Treasury & Real-Time Control

How has real-time settlement changed liquidity management in U.S. banks day to day?
Are current prefunding models for RTP and FedNow sustainable as volumes scale?
How are banks managing liquidity across multiple rails without fragmenting capital?
Do banks have true real-time visibility of cash positions, or is that still aspirational?
How is treasury evolving—from end-of-day forecasting to continuous decisioning?
What happens in a stress scenario—are current liquidity frameworks built for real-time shocks?
What needs to change to make real-time liquidity truly scalable—technology, policy, or operating models?

Howard Lemons

Ameris Bank

Kenneth Lehmann

Bank Of America

Andrew Matheou

BMO Capital Markets

Ashley Hastings

Santander Bank (TBC)

Senior Executives

Available for Panel Sponsor

Senior Executives

Moderator

03:45

SHIFT TO STAGE 1

Stretch Break / 1-2-1 Pre- Arranged Meetings (15 Mins)

04:15 - 05:30

Panel 4 : Open Banking in the U.S.: From Compliance to Commercial Reality

How are banks positioning themselves in embedded finance—as infrastructure providers or customer owners?
Is open banking in the U.S. still compliance-driven or becoming commercial?
What will drive adoption—regulation, demand, or real use cases?
Where is open banking creating real value today?
Are banks embracing open banking or being pushed into it?
Who owns the customer relationship in an open ecosystem?
Is Pay-by-Bank a real challenger to cards in the U.S.?
How do you balance data access with security and trust?
Are APIs a competitive advantage or just a cost of doing business?
What role will fintechs and aggregators play going forward?
What needs to happen for open banking to scale in the next 3–5 years?

Myrto Koimtzoglou

Chief Operations Officer

Oscar Gonzalez

SVP & Director Product Management Access & Delivery Channels

2 Senior Executives

TBC

Senior Executives

TBC

Senior Executives

TBC

05:00 - 05:30

Panel 5 : Embedded Finance in Practice — How Banks Are Powering Platform Ecosystems

How are banks positioning themselves in embedded finance—as infrastructure providers or customer owners?
Which embedded finance use cases are banks prioritizing today?
How are banks balancing platform partnerships with customer ownership and data control?
What operating model changes are needed to support API-first, platform-based distribution?
Where are banks seeing the strongest ROI from embedded finance initiatives?
What are the biggest barriers to scaling embedded finance within banks?
How do banks evaluate and select platform and vendor partners?
How is risk, compliance, and identity managed in third-party platform environments?
What does success look like for banks in embedded finance over the next few years?

Rene Schuurman

Director - CashPro Product Manager

Navendu Inamdar

Head of payments & deposits technology

Glenn Davis

SVP, Product Advisor Manager, Treasury Solutions Group

Senior Executives

Available for Bank

Senior Executives

Available for Panel Sponsor

Senior Executives

Moderator

03:00 – 03:45

Panel 3 : Funding the Instant Economy: Liquidity, Treasury & Real-Time
Control

How has real-time settlement changed liquidity management in U.S. banks day to day?
Are current prefunding models for RTP and FedNow sustainable as volumes scale?
How are banks managing liquidity across multiple rails without fragmenting capital?
Do banks have true real-time visibility of cash positions, or is that still aspirational?
How is treasury evolving—from end-of-day forecasting to continuous decisioning?
What happens in a stress scenario—are current liquidity frameworks built for real-time shocks?
What needs to change to make real-time liquidity truly scalable—technology, policy, or operating models?

Howard Lemons

Ameris Bank

Kenneth Lehmann

Bank Of America

Andrew Matheou

BMO Capital Markets

Ashley Hastings

Santander Bank (TBC)

Senior Executives

Available for Panel Sponsor

Senior Executives

Moderator

03:45

SHIFT TO STAGE 1

Conference Chair closing remarks

Cheers with Peers – Evening drinks

The End - See You Tomorrow at Day 2!

08:30

Registration & Morning Networking

09:00 - 09:05

Conference Chair’s Welcome Remarks

Senior Executive

TBC

09:05 – 10:05

Morning Panel: Cross-Border Payments at a Tipping Point -
From Correspondent Banking to RealTime Global Rails

How are banks positioning themselves in embedded finance—as infrastructure providers or customer owners?
Which embedded finance use cases are banks prioritizing today?
How are banks balancing platform partnerships with customer ownership and data control?
What operating model changes are needed to support API-first, platform-based distribution?
Where are banks seeing the strongest ROI from embedded finance initiatives?
What are the biggest barriers to scaling embedded finance within banks?
How do banks evaluate and select platform and vendor partners?
How is risk, compliance, and identity managed in third-party platform environments?
What does success look like for banks in embedded finance over the next few years?

Janice Ong

VP Payments Experience

Senior Executive

Available for SWIFT

Muhammad Aitizaz Khalid

Director, Global Payments Engineering

1 Senior Executive

Available for Banks

Senior Executive

Available for Panel Sponsor

Senior Executive

Moderator

10:05 – 10:30

Reinventing Cross-Border Payments — From Fragmented to
Real-Time Global Flows

How are fintechs shifting cross-border from batch processing to real-time execution?
What’s driving transparency and cost efficiency in FX and pricing models?
How are APIs enabling seamless, scalable global payment flows?
What will it take to move from fragmented corridors to truly interoperable networks?

Senior Executive

TBC

08:30

Registration & Morning Networking

09:00 - 09:05

Conference Chair’s Welcome Remarks

Senior Executive

TBC

09:05 – 10:05

Morning Panel : Owning the Money Flow: Visibility, Reconciliation & Financial Control in Modern Payments

What is driving retail growth today—and where are retailers seeing the most pressure?
How are changing customer expectations reshaping how retailers think about revenue & experience?
Where are retailers gaining—or losing—margin across the customer journey?
How are digital, in-store, and emerging channels evolving—and what’s working in practice?
What role does the overall purchase journey (not just checkout) play in conversion and retention?
Where are retailers struggling to balance growth, profitability, and customer experience?

Kevin Carroll

Executive Director of Payments

Derek Nicolich

Vice President of Ecommerce & Digital Marketing

Ouenda Baaissa

CFO

Senior Executive

Available for Platinum Sponsor

10:05 – 10:30

Payments Are Broken: Where Retailers Are Losing Revenue
Without Realising It

Why “optimised checkout” is still failing—and where conversion is actually being lost?
The uncomfortable truth about payment costs, approval rates, and hidden revenue leakage.
Are more payment options helping—or quietly eroding margin and control?
Why faster, smoother experiences don’t always translate into better financial outcomes?
What retailers must rethink now to stop leakage and turn payments into a true growth driver.

Senior Executive

Available for Platinum Sponsor

Morning Networking Break/ Pre-Arranged Meetings (30 minutes)

11:00 – 11:50

Panel 2: Modernizing Financial Crime Controls for the Real-Time Payments Era

How are banks redesigning financial crime controls for real-time payment environments?
What does effective fraud, AML, and identity convergence look like in practice?
Where should accountability sit in AI-driven financial crime decisioning?
How can institutions reduce fraud without adding friction to customer journeys?
Are legacy AML and KYC frameworks fit for real-time payments at scale?
What role does data sharing play in strengthening ecosystem-wide risk defense?
How can banks ensure governance and explainability in AI-led controls?
What infrastructure is needed to support trust in instant payment
networks?

Thomas J. Nadratowski

MD, Chief Auditor, Global Financial Crimes

Kapil Shukla

GFC KYC Leader

Max J. Starkie

Executive - AML & Financial Crimes Shared Services

Senior Executives

TBC

Senior Executives

TBC

11:50 – 12:10

Tackling deepfakes and synthetic identity fraud

Synthetic identity: how serious is the threat to traditional eKYC methods?
Speech, image, and video: how are the complexity of deepfakes evolving?
Detecting synthetic identities reliably: what tools have proven successful?
Digital IDs: are they the solution to the synthetic identity challenge?

Senior Executives

TBC

12:10 – 01:00

Panel 3: Deepfakes & Synthetic Identity: Rethinking Trust in Payments

Is identity becoming untrustworthy by default in digital payments?
How are deepfakes reshaping authentication across voice, video, and biometrics?
Synthetic identity vs account takeover: where is fraud growing faster?
What fails first—onboarding (eKYC) or transaction authorization?
Can liveness, behavioral biometrics, and device intelligence keep pace with AI?
Do we need a new trust layer beyond identity?
What role should regulators play in AI-era identity standards?

Priya Krishnamoorthy

Digital Identity Risk & KYC Product management expert

4 Senior Executives

TBC

Senior Executives

TBC

Senior Executives

TBC

11:00 – 11:50

Panel 2: The Checkout Moment: Designing for Conversion, Trust & Speed

Where are retailers still losing customers at checkout—and is it UX, infra, or orchestration?
What breaks in consistency across web, mobile, and in-store checkout journeys?
How does backend reliability (latency, failures, routing) directly impact conversion rates?
What does true identity continuity across channels look like in practice?
How are leading retailers bridging online ↔ offline payment journeys seamlessly?
When does adding payment choice improve conversion vs. create friction?
How should retailers balance speed, security, and authentication at checkout?
What role does personalization play in optimizing the “moment of payment”?
What does a unified checkout architecture look like at scale?
What should retailers prioritize next to win the checkout moment?

Sneha Chitte

Senior Product Manager – Personalization

Deb Meyers

Payment Systems Product Manager

Kendall Green

Senior Engineer Payments Advisor

Senior Executives

TBC

Senior Executives

TBC

11:50 – 12:10

Beyond Checkout: Building a Connected Payment Experience

How does the payment journey extend beyond checkout—and why does it matter for trust and retention?
How can richer transaction data improve approvals while reducing disputes?
Where are the biggest gaps in managing post-purchase experiences like refunds and subscriptions?
How can connected payment experiences unlock new growth and customer loyalty?

Senior Executives

TBC

12:10 – 12:35

Panel 3: Personalization at the Point of Payment — From Experience to Revenue

How is AI reshaping personalization across the full commerce journey—not just discovery?
What does real-time personalization at checkout actually look like today?
How can retailers personalize payment methods based on customer behavior, location, and context?
When does personalization drive conversion vs. create friction or complexity?
How can AI optimize payment routing, retries, and authorization outcomes behind the scenes?
What data is required to enable true end-to-end personalization across channels?
How do you balance personalization with privacy, trust, and compliance?
What does a fully personalized payment experience look like in the next 2–3 years?

Chris Petranoff

Sr Manager - Payment and Fraud Center of Excellence

Senior Executives

TBC

Senior Executives

TBC

Senior Executives

TBC

Morning Networking Break/ Pre-Arranged Meetings (1 Hour)

02:00 – 02:50

Panel 4: ACH at Scale — Driving Efficiency, Volume & Resilience in U.S. Payment Flows

Why does this rail still dominate high-volume payment flows in the US?
Where is same-day processing delivering the most value across real use cases?
How are banks and processors evolving it within multi-rail strategies?
What operational and cost challenges still limit scalability?
How are fraud, returns, and risk evolving in account-based payments?
What role does it play across B2B, payroll, and platform-driven flows?
How are legacy systems being modernized without disrupting operations?
How will it coexist with RTP, FedNow, and emerging payment models?

Nanci McKenzie

Director, Product Operations Treasury Management, ACH Expert

Eric Edstrom

Compliance Director of Cash Management & Money Movement

2 Senior Executives

TBC

Senior Executives

TBC

Senior Executives

TBC

02:50 – 03:10

Modernizing ACH — From Legacy Processing to Intelligent Payment
Infrastructure

How is ACH evolving from batch processing to more real-time, intelligent workflows?
How are banks modernizing legacy infrastructure without disrupting high-volume operations?
What role do APIs, data, and orchestration play in improving efficiency and visibility?
How will ACH position itself alongside RTP and FedNow in a multi-rail payments future?

Senior Executives

TBC

03:45 – 04:00

Powering Machine Payments — Cloud, Data, and Event-Driven
Architectures for Real-Time Ecosystems

A focused session on how cloud platforms and data infrastructure are
enabling the next generation of machine-to-machine payments. It explores
how event-driven architectures, IoT connectivity, and real-time data
processing are allowing institutions to orchestrate automated transactions,
integrate devices into payment ecosystems, and support scalable, secure,
and low-latency financial interactions across connected environments.

Senior Executive

Available for BigTech

02:00 – 02:50

Panel 4: Agentic Commerce: Real-Time Intelligence at the Point of
Payment

What does “agentic AI” actually mean in a retail payments context today?
Where are retailers already using AI in real-time decisioning—and what’s actually working?
How is AI changing the way payment decisions are made at checkout versus traditional rule-based systems?
Can AI meaningfully reduce false declines without increasing fraud risk?
How are retailers using AI to optimise routing, approval rates, and payment performance in real time?
What role does data quality and infrastructure play in enabling effective AI-driven decisions?
How do you balance automation with control when AI is making decisions in the moment?
Where does AI add the most value—conversion, fraud prevention, or cost optimisation?
Are retailers ready to trust AI with real-time payment decisions at scale?
What are the biggest operational or organisational challenges in deploying AI in payments?
How do you measure ROI when implementing AI-driven payment strategies?
Where are retailers overestimating AI—and where is it actually delivering results today?
Looking ahead, what will differentiate retailers who successfully adopt real-time intelligent payments?

Sumandeep Singh

VP of Engineering

Vibhooti (Vib) Dev

Director, AI/ML Engineering

Kiran Hegde

Sr Director AI and Engineering

Senior Executives

TBC

Senior Executives

TBC

Senior Executives

TBC

02:50 – 03:10

From Automation to Autonomy: How AI Is Reshaping Payment Decisions in Real Time

What does real-time, AI-driven decisioning look like in modern retail payments?
How can AI improve approvals, reduce friction, and optimise outcomes at checkout?
Where is AI delivering measurable impact today— and where is it still overhyped?
What does it take to move from rule-based systems to intelligent, adaptive decisioning?
How should retailers approach AI adoption without adding complexity or risk?

Senior Executives

TBC

03:10 - 04:00

Panel 5: From FedNow to RTR — Designing the Next Generation of Real-Time Payment Systems

What key lessons from the US experience should shape RTR design in Canada?
How are banks aligning infrastructure to support multiple real-time rails?
What role does interoperability play in enabling cross-border real-time payments?
How are customer expectations evolving with instant, always-on payments?
What are the biggest operational challenges in scaling real-time systems?
How are use cases expanding across retail, corporate, and treasury flows?
What partnerships are critical to building a successful RTR ecosystem?
What will differentiate RTR from existing real-time systems globally?

Shareef Rahim

Director – Emerging Payments

Brent Mizzen

SVP, Payments & Digital

2 Senior Executives

TBC

Senior Executives

TBC

Senior Executives

TBC

03:10 – 04:00

Panel 5: Securing Payments at Scale: Balancing Risk, Fraud &
Customer Experience

Where are retailers most vulnerable to fraud across online, in-store, and omnichannel journeys today?
How are fraud patterns evolving with wallets, BNPL, and real-time payments?
Where are retailers losing more revenue today—fraud or false declines?
How can retailers reduce fraud without adding friction at checkout?
What role does real-time data and decisioning play in improving approval rates and reducing risk?
How should retailers rethink identity and authentication for a seamless customer experience?
How are leading retailers balancing compliance requirements with speed and conversion?
What practical steps can retailers take today to strengthen trust while protecting revenue?