Brief Agenda Europe

April 23, 2026

08:00 am

08:30

08:50

Registration & Morning Networking

08:50

09:00

Conference Chair’s Welcome Remarks

Anton Kornilov

Kernel Acumen Ltd (Chairperson)

09:00 am

09:00

10:00

Opening Power-Hour Panel – Setting the Stage

Where does Europe stand in the global instant payments landscape?
How has the industry handled the first IPR deadlines?
What key operational lessons have emerged post-IPR rollout?
Is fragmentation still Europe’s biggest barrier to scale?
How effectively are PSPs adapting to the EU mandate?
What should Europe’s interoperability end-state look like (TIPS, SCT Inst, national schemes)?
What can Europe learn from UPI’s scale, cost efficiency, and fraud controls?
What does the UPI–TIPS corridor mean for cross-border flows?
Can models like Nexus enable global instant payment connectivity?
Where are banks unlocking real commercial value from instant payments?

Giorgio Andreoli

European Payments Council

Robert Bashford

ECB

Ritesh Shukla

NPCI International Payments Limited

Dirk Braun

Goldman Sachs

Anton Kornilov

Kernel Acumen Ltd (Chairperson)

10:00 am

10:00

10:15

Success story UPI

Hear from the CEO of NIPL as he shares the remarkable growth story of UPI and the key
factors behind its success. The session will explore how India’s instant payments
ecosystem has transformed digital transactions at scale and what other markets can
learn from its journey.

Ritesh Shukla

NPCI International Payments Limited

10:15

10:35

Strengthening SCT Inst. Ensuring Consistency, Reach and Reliability Across Europe

SCT Inst ensures consistent PSP experiences, while the EPC drives alignment and clarity.
Evolving standards and Confirmation of Payee will enable next-gen instant payments and
digital euro coexistence.

Giorgio Andreoli

European Payments Council

10:35

10:55

Enabling a Unified and Resilient Instant Payments Landscape

Evolution of TIPS
Instant Payments the new normal
Multi-Currency , Cross- Currency and Interlinking with Fast Payment Systems

Robert Bashford

ECB

10:55

11:25

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

11:00 am

11:25

11:45

Beyond Compliance: Building Real Value on VOP Infrastructure

Gregor Hense and Natasha Lauer take an honest look at what happens after VOP rollout, where the real commercial opportunity lies, what it takes to build shared fraud intelligence infrastructure, and how that logic extends as payment flows cross borders into unregulated territory.

Natasha Lauer

Surepay

Gregor Hense

Grupo Santander

11:45

12:30

Panel 2: Beyond Speed: How Overlays and Request-to-Pay Revolutionize Instant Payment

What business models and pricing work for premium overlay services?
How can banks and fintechs monetize overlays efficiently?
How is SRTP v4.0 improving bill-to-cash, and what are early lessons?
How are banks combining SWIFT with instant rails for cross-border flows?
Where are the key ISO 20022 interoperability gaps?
How do overlays (fraud, data, identity) enhance payment experiences?
What challenges exist in scaling CoP/VoP and instant refunds?
How is real-time treasury evolving with instant payments?

Ekaterina Kozhevatova

Commerzbank

David Ballaschk

Deutsche Bundesbank

Walter Schmölzer

Unifits

Jiří Ambrož

Czech National Bank

Merima Mahmutovic

PwC (Moderator)

12:00

12:25

12:45

Evolution of instant payments in Hungary

Hungary has been one of the leaders of instant payments evolution in Europe. The bank-to-bank infrastructure was completed in 2020, followed by the launch of Qvik, the QR and NFC and Deeplink based payment solution, in late 2024. Our presentation shows how innovation was fostered by Qvik, through multiple examples implemented since Qvik's go-live.

Robert Kiszely

Capsys

12:45

13:30

Networking Lunch/ Pre-Arranged Meetings (45 mins)

13:00

13:30

14:20

Panel 3: Instant Payments, Instant Fraud: Stopping Real-Time Threats at Source

How are banks evolving fraud frameworks for real-time, low-friction protection?
How is AI enabling sub-second detection of anomalous activity?
What data orchestration is needed to link risk signals across channels and rails?
What new fraud typologies are emerging in instant payments?
How can ML detect mule accounts, synthetic IDs, and coordinated fraud?
How can legacy systems be modernised for real-time intervention?
How should authentication evolve to counter real-time social engineering?
What partnerships and technologies (biometrics, device intelligence) strengthen fraud resilience?

Zafer Ergezen

GarantiBank International

Bence Marosi

GIRO

Heike Matzner

Deutsche Bank

Neil Anderson

HSBC

Vincent Brennan

Independent Consultant (Moderator)

14:00

14:20

14:55

Panel 4: AML in Milliseconds: Instant Screening, Compliance & Ecosystem Trust

How can banks run real-time AML and sanctions checks without impacting payment speed?
What data orchestration is needed to unify AML, sanctions, and compliance signals?
How can cross-border and cross-rail intelligence improve AML detection?
What KPIs best measure real-time AML and fraud effectiveness?
How should AML models evolve for instant payments and new fraud patterns?
How can banks distinguish legitimate activity from laundering on instant rails?
What tech upgrades are needed for real-time reporting and auditability?
How will EU regulations and embedded finance reshape AML requirements?

Stefan Zima

Raiffeisen Bank International

Henrik Rosenberg

SEB

Denitsa Rebaine

BNY

Anastasia Sakharova

Samsub (Moderator)

14:55

15:15

Instant, Intelligent, Secure: Protecting Payments in a Zero-Latency World

Where are the next major gaps in real-time fraud and risk?
How can behavioural intelligence detect risk pre-payment without adding friction?
What changes are needed for sub-second AML and sanctions compliance?
How can banks unify fraud, cyber, identity, and liquidity into one real-time risk view?

Kevin Flood

FIS

15:00

15:15

15:35

Meetings Break (20 mins)

15:35

15:55

From Instant Payments to Digital Wallets

Instant Payments are reshaping Europe’s payment landscape—and Wero is the new contender
aiming to become the default digital wallet. This session outlines why the wallet battle is happening now, what it means for banks, and what it takes to win on adoption and execution.

Ludovic de Pestel

Axway

15:55

16:45

Panel 5: Pay by Bank 2.0 - Scaling A2A to Mainstream Checkout Across Europe

How can Pay by Bank match card UX in trust, speed, and reliability?
What drives consumer shift from cards to A2A payments?
How can merchants make Pay by Bank the default at checkout?
Which pricing and incentives will drive large-scale merchant adoption?
How can orchestration ensure reliability across fragmented APIs?
How can authentication and SCA reduce friction without compromising security?
How can ISO 20022 data improve reconciliation and post-payment experiences?
Which sectors will lead Pay by Bank growth, and why?
How can regulation (PSD3/PSR) enable scale, consistency, and innovation?

Lev Kalachev

Citi

Vishwas Kashyap

Bank of America

Sovon Chatterjee

HSBC

Eoin Sheanon

Central Bank of Ireland

Gideon Fourie

Token

Thea van Oosterhout

Mariposa (Moderator)

16:00

16:45

17:00

Unlocking Instant A2A Payments: Challenges and Opportunities

How can merchants integrate Pay by Bank and instant A2A payments seamlessly?
What technological challenges need to be addressed for instant settlement?
What infrastructure and APIs are required to scale Pay by Bank across Europe?
How can banks, gateways, and merchants collaborate to make Pay by Bank mainstream?

Lucrezia Lancia

CBI

17:00

17:35

Panel 6 Agentic Payments: When AI Becomes the Payment Initiator

What differentiates agentic payments from traditional automation?
How do instant rails enable real-time AI decisioning and execution?
How should mandates, permissions, and guardrails be designed for AI payments?
How can liability, trust, and compliance be managed for AI-initiated transactions?
What new fraud risks emerge, and how can AI mitigate them?
How can explainability and auditability be ensured in AI-driven payments?
How can banks monitor, override, or control agent-initiated payments?
What interoperability challenges exist across banks, PSPs, and schemes?
How will agentic payments impact enterprise use cases and regulatory expectations?