Brief Agenda

• How would you describe the current state of Open Banking in Europe?
• Is Europe still leading in payments regulation, or have other markets caught up?
• How do you see Europe’s approach comparing to the UK’s Future Entity Framework?
• What’s the biggest change PSD3 introduces compared to PSD2? why was a revision needed now?”
• Is harmonization across member states truly achievable this time?
• How does the PSR change the playing field for banks, fintechs, and third-party providers?
• What do you see as the most immediate compliance challenges?
• How are DORA and MiCA complementing PSD3 in the new regulatory framework?
• FIDA: A Leap or a Liability? are there any commercial risks?
• Is the overlap of PSD3, PSR, and FIDA creating confusion rather than clarity?
• What’s the endgame for FIDA? Does broader access to financial data heighten exposure to breaches?
• Do we really need FIDA to make Open Finance happen?
• How tech providers are becoming key partners in ensuring PSD3/FIDA readiness?
• What impact do you foresee on licensing requirements and passporting?
• How prepared are traditional banks versus fintechs in adapting to these changes?
• Are there unintended consequences regulators or the industry should be watching out for?
• Are we moving toward a global standard in open financial data?
• What does “success” look like in the PSD3+PSR implementation journey by 2026?
• What advice would you give to market participants right now?
• If you could change one thing in the current drafts, what would it be?

• Enabling real-time regulatory compliance through scalable API infrastructure
• Standardizing fragmented PSD2 practices for PSD3 readiness
• Elevating UX with seamless consent and customer control tools
• Real-world fintech–bank collaboration examples under PSR
• Global perspective: Building toward interoperable open finance

• Interpreting PSD3 & PSR: Strategic Impact on Banking
• What the new regulations mean for the industry and how the bank is adapting.
• How the banks are leveraging regulatory change to improve CX and develop new services.
• Integrating DORA, MiCA, and PSD3 into a unified risk and compliance strategy.
• Tackling implementation challenges across multiple jurisdictions and regulatory frameworks.
• The Future of Open Finance & Ecosystem Collaboration

• Open finance only thrives when trust holds, especially as PSD3/PSR, FIDA, and instant payments broaden interconnections.
• This keynote sets out a “resilience-by-design” playbook aligned to DORA’s five pillars.
• Supervisory expectations are, in fact, design decisions to reduce systemic risk and speed recovery, so innovation becomes robustby default, not fragile by design.

• Building Profitable Open Banking Models
• Why Open Finance is more than a regulatory upgrade — it’s a commercial opportunity
• What separates banks that comply with PSD2 vs. those that capitalize on it?
• Monetization models for data access — what’s working, what’s next
• Are premium APIs finally becoming viable, or still hype?
• How are European banks building monetizable services in lending, FX, or identity?
• What role do API marketplaces play in driving recurring revenues?
• What KPIs matter most when measuring success in Open Banking monetization?

• How can Embedded Finance evolve from convenience to competitive advantage in the post-PSD3 era?
• What infrastructure upgrades are essential for delivering compliant and scalable BaaS offerings under PSD3?
• What can banks learn from tech-led Embedded Finance?
• Can BaaS become the foundation for Open Finance? What will it take to make that leap?
• How can banks monetise APIs through BaaS under PSD3?
• What does a frictionless, embedded financial journey look like—and who will own the customer relationship?

• How are banks embedding financial services into third-party ecosystems (mobility, retail, health)?
• What are the best emerging use cases for Variable Recurring Payments (VRPs)? contextual payments, predictive finance?
• Are Super Apps the future of digital banking or a regional outlier?
• How are AI/ML shaping smarter APIs and personalisation?
• Which banks or fintechs are winning with Open Finance use cases?
• Why API fragmentation is still a critical issue post-PSD2
• What does true API interoperability across sectors look like?
• Who pays for access — and how do monetization models evolve?
• Will PSD3 and FIDA enforce or merely encourage standardization?
• The role of third-party enablers and infrastructure platforms
• What’s needed to move from open banking compliance to open finance innovation?

• What “Open Finance” really entails — and who benefits?
• How is Open Finance progressing in pensions, wealth, and insurance?
• What are the major roadblocks to broader API interoperability?
• Is there a realistic path to a pan-European standard body or trust framework?
• What can we learn from UK’s Smart Data legislation and EU’s Open Finance Framework?
• How can banks move from Open Banking compliance to Open Finance leadership?
• Can Europe build a single framework, or are we headed for more fragmentation?
• What are the trust challenges when moving beyond current account data?
• How can we avoid “consent fatigue” in the Open Finance era?
• From Access to Experience: Why data access under PSD3 must now translate into richer, real-time services
• AI/ML at the Core: Personalization, fraud detection, and dynamic financial insights powered by data and models
• Cloud-Native + API-First Architectures: Scaling innovation securely with modular, developer-first infrastructure
• What’s Next what success looks like in 2026

This session will spotlight 5 leading merchants sharing real-world success stories on how they are leveraging Open Banking to improve payments — from instant refunds and frictionless checkout to reducing costs and fraud. It’s a unique chance to hear directly from merchants on practical use cases and tangible benefits.

• What’s driving the surge in APP fraud — and how can real-time responses evolve?
• The evolution of Strong Customer Authentication (SCA) under PSD3
• Fraud detection meets UX: how can we fight smarter without losing customers?
• Collaboration between banks, telecoms, and platforms to detect and prevent fraud
• What makes real-time fraud harder in a cross-border context?
• Are there shared fraud typologies across the EU that need a joint response?
• Role of AI, biometrics, and behavioural analytics in next-gen fraud defense
• What does a pan-European fraud reimbursement model look like?
• How are fraud engines evolving with AI? What are the risks of false positives?
• How do we test, audit, and explain AI-driven fraud alerts to regulators?

• Creating frictionless but secure financial journeys
• Adaptive authentication: balancing behavior, device, and risk scoring
• Zero-trust architecture and its relevance in open banking ecosystems
• Future of digital ID in Europe: eIDAS2 and secure consent
• Coordinating trust signals across banks, fintechs, and telcos

• What business models are sustainable under Open Finance?
• Will PSD3 shift the economics of open banking for banks and fintechs?
• Digital Euro & CBDCs: how will they fit into the financial ecosystem?
• Can Open Finance support ESG and inclusive finance goals?
• The future role of banks in an increasingly modular, embedded landscape
• Ethical AI, consumer agency, and what the next-gen customer demands