Brief Agenda

08:00 am

08:30

08:55

Registration & Morning Networking

08:55

09:00

Conference Chair’s Welcome Remarks

Vincent Brennan

Independent

09:00 am

09:00

10:00

Panel 1: Opening Panel: Open Banking at a Crossroads: Turning PSD3 & FIDA into Commercial Reality

Has Open Banking delivered or is it still compliance-led?
Where is real value being created today?
Is fragmentation still Europe’s biggest challenge?
Do PSD3 and PSR change the game or reinforce the status quo?
Does FIDA unlock opportunity or add complexity?
What lessons must Europe carry forward from PSD2?
Why hasn’t Pay-by-Bank scaled yet?
What is the biggest barrier to scale economics, experience, or trust?
Who owns the customer relationship today?
Are banks at risk of becoming infrastructure?
Does Open Finance create new value or extend old challenges?
What defines success for Europe over the next five years?

Vasil Shengelia

National Bank of Georgia

Tessa Kits

Rabobank

Carsten Preuß

Commerzbank

Victor Colta

Salt Edge

Monica Monaco

Trust EU Affairs (Moderator)

10:00 am

10:00

10:25

Beyond Compliance: The Road to Open Finance

Has PSD2 created access - but not enough value?
How do PSD3 and FIDA change the infrastructure equation?
Why do identity, consent, and trust become strategic assets?
How do banks move from API compliance to ecosystem leadership?

Marc Bewernik

Banfico

10:25

10:45

PSD3, PSR & FIDA: Building Europe’s Next Financial Architecture

Why was PSD2 not enough for Europe’s next phase?
What commercial and regulatory gaps are PSD3 and FIDA designed to solve?
Can Europe reduce fragmentation while preserving innovation?
What does success look like for Europe’s financial ecosystem by 2030?

Georg Schardt

FinAPI

10:45

11:05

The Scale Question: Why Some Open Banking Markets Win

What separates Open Banking leaders from laggards?
Why do some use cases scale while others stall?
Where is Open Banking creating the most value today?
What will define the next phase of success in Europe?

Nick Davey

Open Banking Ltd

11:00 am

11:05

11:35

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

11:35

11:55

Wero, Bizum, Visa, Mastercard & A2A: Who Owns Europe’s Checkout? (Gold Sponsor)

Is Pay-by-Bank finally ready to challenge traditional card rails?
Can Wero, Bizum, and bank-led wallets scale across Europe?
How are Visa and Mastercard responding to the rise of A2A payments?
What will drive scale - merchant economics, trust, or user experience?
Who controls the next checkout - banks, wallets, networks, or fintechs?
What does the future checkout experience look like?

Card Networks/Payment Schemes

TBC

11:55

12:35

Panel 2: Pay-by-Bank vs Cards: Who Wins the Checkout

Is Pay-by-Bank at a tipping point or still at an early stage?
Are merchants ready to move beyond card rails?
What will truly drive adoption - cost, UX, or regulation?
What is still holding enterprise adoption back?
Can Wero (EPI Company), Bizum, and bank-led wallets scale across Europe?
Where does A2A clearly outperform cards and where does it fall short?
What is the biggest barrier to scale today - incentives, experience, or trust?
Can Pay-by-Bank match cards on speed, trust, and UX?
Who controls the payment journey - banks, schemes, or fintechs?
Which mechanisms and initiatives are being deployed across Europe which will help increase the use of pay by bank?

Tristan Blampied

Barclays

Arjan Bol

Dutch Payments Association

Ulrich Loof

DZ BANK

Mikkel THRANE

IDEMIA

Fliss Berridge

Blue Strawberry Thinking Ltd. (Moderator)

12:00

12:35

13:35

Networking Lunch/ Pre-arranged Meetings (60 mins)

Round Table Discussion

Table 1: Pay-by-Bank, VRPs & the Future of Checkout

Table 2: Consent, Digital Identity & the Future of Open Finance

13:00

13:35

14:20

Panel 3: The Next Financial Interface: AI, Data & Agentic Commerce

Has Open Banking created enough usable data for AI-led finance?
Are banks truly monetising Open Banking or still sharing data for free?
How is AI changing the value of transaction and consent data?
Does Open Banking become more valuable when agents start making decisions?
Who owns the customer journey - banks, platforms, or AI assistants?
Can Open Banking APIs support real-time, agent-driven experiences?
How do retailers use financial data differently in an AI world?
Does embedded finance become smarter with Open Banking data?
Will AI increase trust or increase customer switching?
What does Open Banking look like in an agentic economy?

William Powell

Deutsche Bank

Simon Boonen

ING

Hans Homburg

Barra

Vincent Brennan

Independent (moderator)

14:00

14:20

14:40

The Future of Payments: From Open Banking to Autonomous Commerce

How does Open Banking data make payments more intelligent?
Can AI make Pay-by-Bank more personalised and contextual?
What happens when agents start initiating payments?
How do banks stay relevant in the future checkout experience?
Can A2A payments become the default in an AI-driven commerce world?

Giuseppe Del Regno

CBI S.c.p.a. Società Benefit

14:40

15:00

Networking Break
& 1-2-1 Meetings (20 mins)

Round Table Discussion X 2

Table 3: Verification of Payee, Fraud Signals & the New Trust Layer

Table 4: Monetising Open Banking – Moving Beyond Free APIs

15:00

15:50

15:40

Panel 4: Beyond Banking: Data, Ecosystems & the Next Industry Convergence

Is Open Finance finally moving beyond current accounts and payments?
How can financial data improve underwriting, lending, and wealth advice?
What new opportunities emerge when finance meets energy, mobility, and utilities?
Can FIDA unlock real cross-sector innovation or add new complexity?
Who owns the customer relationship in connected ecosystems?
Does AI make cross-industry personalisation commercially viable?
What becomes the biggest barrier data standards, consent, or trust?
What does a truly connected financial ecosystem look like?

Thomas Stosberg

Deutsche Bank

Tamaghna Chatterjee

Commerzbank

Ana Isabel Gallego

Mastercard

Nicolas de Genot

Director of Product - Open Banking

Vincent Brennan

Independent Consultant - Banking & Payments

15:40

16:20

Panel 5: Trust Infrastructure 2.0: Securing the Future of Open Finance

Is trust becoming the foundation of Open Finance growth?
How are fraud patterns evolving in real-time payment ecosystems?
Can digital identity frameworks reduce friction without weakening security?
Is consent management becoming too complex for customers and institutions?
How can organisations strengthen real-time fraud intelligence and collaboration?
Are financial institutions prepared for AI-driven fraud threats?
What will define trusted financial ecosystems in the next phase of Open Finance?