Brief Agenda JO’BURG

• How crucial is real-time identity verification to prevent fraud in instant payments?
•  Is the balance between transaction speed and security achievable without compromising customer experience?
• What more can we do to further mitigate the customer impact, locally and globally?/li>

• What new fraud threats are targeting financial institutions today?
• How are FIs tackling APP fraud, phishing, and spoofing in real time?
• How effective are CoP and VoP, and what are the rollout challenges?
• How can AI and machine learning improve fraud detection?
• What’s the role of regulation in shaping fraud prevention strategies?
• How are banks managing fraud risks in cross-border and instant payments?
• How can VoP be integrated with other tools while protecting privacy?
• How should AML controls adapt to faster, irreversible payments?
• Is tokenized money outpacing traditional clearing and settlement?

In recent years, banks have become more successful in preventing criminals from accessing the payment system. This resulted in a significant drop of unauthorized payments (e.g., phishing, malware). Criminals started to shift their focus towards targeting consumers, manipulating and misleading victims into transferring money to them directly, generally known as online scams or ‘authorised payment fraud’. This key note will focus on systemic and individual level interventions that have proven to be successful and will relate these approaches to the upcoming IPR and PSR requirements.

• Can instant payments be truly instant without ensuring accuracy and trust?
• How does IBAN-Name Check prevent fraud and misdirected payments at scale?
•  Is payment speed meaningless without security and validation?
• How can real-time verification improve customer confidence and compliance?

• What does the rise of CBDCs mean for the future of payments in Europe?
• How will the Digital Euro integrate with SEPA Instant, TIPS, and existing systems?
• How are banks adapting to the Digital Euro and what does it mean for them?
• Digital Euro vs. Stablecoins – what are the key differences and implications?
• How will instant payments evolve alongside the rollout of CBDCs?
• What role does Open Banking play in CBDC adoption and use?
• What’s driving Europe’s shift to a cashless society, and what are the hurdles?
• How will CBDCs impact cross-border payments and global trade?
• What’s next for digital payments innovation and FinTech–bank collaboration?

Drawing on real-world experience from leading large-scale integration across diverse customer segments and industry verticals, this session will explore how the Voice of the Professional (VoP) helps align cross-functional tribes and break down internal silos—ultimately accelerating customer-centric innovation across the organization.

• What’s next for real-time cross-border money movement and near-instant settlement?
• How can instant payment networks integrate globally to enhance interoperability?
• What new revenue opportunities exist for banks in cross-border payments?
• Which business models best support the rise in instant international transactions?
• What are the key operational challenges in enabling real-time cross-border payments?
• How can APIs drive seamless integration between banks, corporates, and fintechs?
• How does real-time data exchange improve speed and accuracy in cross-border processing?
• What’s the impact of ISO 20022 migration on cross-border efficiency and standardization?
• How can FIs balance speed, compliance, and evolving global regulations?