06 October 2026 | FRANKFURT
Welcome to the next phase of financial evolution driven by Open Banking, PSD3, and data-driven ecosystems. This is where the shift becomes real…
Bringing together financial institutions, technology innovators, regulators, and ecosystem enablers, the Open Banking & PSD3 Forum explores how regulatory transformation and data-sharing frameworks are reshaping payments, financial services, and customer engagement.
As financial services move beyond compliance-led Open Banking, the industry is entering an era of Open Finance, where secure data access, API-driven infrastructure, and real-time payments are unlocking new business models, revenue streams, and collaborative ecosystems. PSD3, FIDA, and Instant Payments are accelerating this transition, pushing institutions toward greater standardization, interoperability, and innovation.
This forum focuses on the practical realities, opportunities, and challenges of this transformation. From Pay-by-Bank and A2A payments to data monetization, embedded finance, and digital identity frameworks, the conversations will explore how financial services are becoming more connected, real-time, and customer-centric.
EXPLORE OUR CORE THEMES
Session 1: The New Regulatory Order - PSD3, FIDA, Instant Payments & Europe’s Financial Data Infrastructure
Explore how PSD3, PSR, FIDA, and Instant Payments Regulation are reshaping Europe’s financial system - reducing fragmentation, standardizing APIs, and enabling real-time data and payment flows. As compliance and execution complexity increases, institutions must align with evolving regulatory and infrastructure mandates. This theme focuses on building a unified, real-time, and secure financial ecosystem.
Session 2: Pay-by-Bank & A2A Payments - The Battle for Payment Dominance
As account-to-account payments gain momentum, Europe is witnessing a shift away from traditional card rails. This theme explores Pay-by-Bank adoption, VRPs, merchant acceptance, and initiatives like Wero driving payment sovereignty. The focus is on how new payment models are redefining economics, competition, and control.
Session 3: From Open Banking to Intelligent Finance - AI, Data & Agentic Commerce
Open Banking is evolving into an AI-driven financial layer where decisions and transactions are increasingly automated. This theme explores agentic commerce, AI-powered financial journeys, real-time decisioning, and data monetization. The focus is on moving from access to intelligence, automation, and customer ownership.
Session 4: Beyond Banking - Expanding Open Finance Across Lending, Wealth, Insurance & AI
Open Finance is extending into lending, insurance, pensions, and wealth, unlocking cross-sector opportunities. This theme explores FIDA-driven data sharing, AI-led personalization, and new use cases across industries. The goal is to build connected, interoperable financial ecosystems.
Session 5: Trust Infrastructure 2.0 - Digital Identity, Consent & Real -Time Fraud Intelligence
As ecosystems expand, trust becomes foundational. This theme explores digital identity frameworks, consent orchestration, and real-time fraud detection. With evolving PSD3 requirements and identity initiatives, the focus is on enabling secure, scalable, real-time trust systems.
