CPOstrategy spoke with some of the key speakers and leaders in attendance at DPW in New York… From AI and operating models to talent and strategic influence, procurement leaders gathered with a shared message: the profession isn’t simply adopting new technology, it is redefining what procurement itself should become
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The theme of DPW New York 2026 – Recode – could hardly have been more appropriate. Across conversations with procurement leaders representing industries as diverse as financial services, media, pharmaceuticals, luxury retail, technology, industrial manufacturing and commercial real estate, one message emerged repeatedly: procurement is entering the most significant period of transformation in its history.
Artificial intelligence may dominate the headlines, but for practitioners leading transformation programmes inside global organisations, the conversation has already moved beyond the technology itself. Instead, attention is turning towards operating models, organisational design, talent, governance and the role procurement will play as businesses navigate increasingly complex commercial environments.
Rather than viewing AI as the destination, many see it as the catalyst for fundamentally redesigning procurement.
For several of the speakers CPOstrategy spoke to, ‘Recode’ wasn’t simply about software, it was about rethinking the function from the ground up.
Rina Patel, SVP – Chief Procurement Officer at Versant Media, described the company’s recent spin-off from Comcast NBCUniversal as an opportunity to reshape procurement into a trusted advisory function involved in deciding whether initiatives should happen in the first place, rather than simply executing purchasing decisions.
Others echoed that sentiment. Danielle Salyers, VP for Strategic Sourcing & Enterprise Contracting, at Allied Solutions, who has built procurement organisations from scratch on multiple occasions, viewed the theme through the lens of establishing entirely new operating models. At Semrush, VP for Global Procurement Alejandro Fernandez is living through a different kind of recode as the company’s procurement organisation becomes integrated into Adobe, forcing a rethink of how teams, processes and technologies come together.
Despite the different business contexts, the conclusion was remarkably consistent: procurement’s traditional operating model no longer reflects the realities of modern business.
Beyond Cost Savings
If there was one topic that united almost everyone we spoke to, it was the growing belief that procurement has outgrown its historical identity as a cost-cutting function.
Savings remain important, but few leaders now see them as sufficient for measuring success.
Patel argued that procurement should instead be judged on whether supplier decisions generate genuine business value, improve return on investment, enable revenue and support broader organisational objectives. Salyers similarly described cost savings as an output of procurement rather than its defining purpose, pointing instead to resilience, supplier strategy, risk management and business enablement as the measures that matter most.
Mercury’s Head of Procurement Bobbi Bachynski perhaps captured the changing mindset most directly. Working in a fast-growing fintech business, she sees procurement less as a savings function and more as business development tool, measuring success through the speed at which the organisation can launch products, enable teams and support growth.
That broader definition of value reflects the changing pressures organisations face today.
From geopolitical instability and tariffs to ongoing supply chain disruption, procurement has increasingly become central to helping organisations manage uncertainty. Angela Zou, Chief Procurement Officer at Cushman & Wakefield, noted that global disruption has elevated procurement’s importance within executive discussions, while Marc Behring, Director – Procurement Excellence at Messer Americas, explained that procurement’s ability to respond quickly to changing market conditions has become just as valuable as negotiating favourable contracts.
The profession is steadily moving away from being measured purely on how much money it saves towards how effectively it enables organisations to operate.
AI Starts with Better Processes
Despite the excitement surrounding artificial intelligence throughout DPW, one point generated almost universal agreement. AI cannot repair broken procurement.
Again and again, the executives we spoke to stressed that organisations must first simplify processes, improve governance and clean their data before expecting technology to deliver meaningful transformation.
Fernandez described AI as a magnifying glass that simply exposes existing weaknesses. Deploying sophisticated technology on top of poor-quality processes only embeds those problems more deeply into the organisation.
Others used even stronger language. Salyers warned that “if you automate chaos, you just get chaos faster,” while Zou argued organisations must “clean house before you automate or optimise”. Bachynski cautioned against allowing excitement around AI to distract organisations from building strong procurement foundations, preferring what she described as a measured and intentional approach rather than chasing hype.
Several leaders also highlighted the importance of data quality.
Behring believes that process and data remain the essential foundations for successful AI adoption because intelligent systems can only generate meaningful outcomes when they are built on structured, consistent information. Without that foundation, organisations risk investing significant time and money only to conclude that AI itself has failed, when the real issue lies in poor underlying processes.
The message from DPW was clear: successful transformation begins long before organisations deploy their first AI agent.
Humans Remain at the Centre
Although AI dominated almost every conversation, none of the procurement leaders we spoke to suggested technology would replace human expertise. Instead, the future appears to be one of partnership.
Routine, rules-based and transactional work is increasingly expected to migrate towards automation, freeing procurement professionals to focus on judgement, creativity, negotiation, supplier relationships and strategic decision-making.
Fernandez believes relationship management and stakeholder trust remain fundamentally human activities. Salyers described the ideal future as automating repeatable work while preserving human involvement wherever judgement, ethics and commercial trade-offs matter.
Sandeep Dhar, Senior Director – Center Global Category Management Leader at Johnson & Johnson, sees the operating model evolving into one where AI agents perform tactical activities while procurement professionals concentrate on strategy. Sean ParkVP – Procurement, AP & Transformation atArm similarly views AI less as a replacement than as a decision-support capability, enabling procurement teams to analyse suppliers, identify strategic partners and generate insights more rapidly than traditional reporting tools allow.
A Different Kind of Procurement Professional
As technology changes, so too does the profile of the procurement professional.
Several of the leaders we spoke to suggested that tomorrow’s procurement teams will require fundamentally different capabilities from those traditionally associated with category management and sourcing.
Fernandez believes the rise of large language models will reduce dependence on narrow category specialisation, instead rewarding analytical thinkers, creative problem-solvers and builders who are comfortable experimenting with new technologies.
Behring agreed that procurement professionals will increasingly need to understand how AI works, develop stronger technology skills and continuously adapt as new capabilities emerge. For him, the challenge extends beyond technology itself to identifying what the future procurement skillset should actually look like.
That evolution also requires organisations to rethink how they develop talent. Zou spoke about freeing procurement professionals from routine work so they can build stronger judgement and advisory capabilities, while Dhar argued that curiosity, continuous learning and asking better questions will become defining characteristics of successful procurement leaders.
Several executives also highlighted the importance of confidence. Patel encouraged procurement professionals at every level to become bolder, understand the businesses they support more deeply and build the commercial credibility needed to influence decision-making. Rather than waiting to be invited into strategic discussions, procurement leaders should demonstrate why they belong there by speaking the language of growth, revenue and business outcomes.
Technology is Changing, but Leadership Matters More
Despite AI dominating conference agendas, many leaders suggested that technology alone will not transform procurement.
Leadership remains the decisive factor. Gary Levitan, VP – Head of Procurement at Louis Vuitton, argued procurement earns influence through a compelling vision rather than software. Digital tools may strengthen procurement’s ability to execute, but they do not secure executive credibility on their own.
Others made similar observations. Several leaders stressed every organisation faces different priorities, making it dangerous simply to copy another company’s technology roadmap. Bachynski warned against benchmarking blindly, arguing that procurement functions should be designed around the unique commercial realities of their own businesses rather than following industry trends.
For Park, transformation succeeds when stakeholders understand the entire journey rather than experiencing disconnected process changes over time. Bringing employees into the transformation early, explaining the bigger picture and managing change carefully are just as important as selecting the right technology.
That emphasis on governance, communication and organisational change repeatedly surfaced throughout our conversations. AI may accelerate procurement, but successful implementation still depends upon people understanding, trusting and adopting new ways of working.
Why DPW Matters
While technology formed the backdrop to almost every conversation, many attendees described the greatest value of DPW as something far more human. Connection.
Time and again, these leaders spoke about the opportunity to compare experiences with peers facing similar challenges, distinguish genuine innovation from marketing hype and learn from successes as well as failures.
Fernandez described the event as an opportunity to separate “signal from noise” by hearing directly from practitioners rather than relying solely on vendor demonstrations. Zou highlighted the value of seeing collaborative customer and supplier transformation stories while building relationships with peers on similar journeys.
For Bachynski, DPW represents procurement’s “Super Bowl”. Not because of the product demonstrations, but because it creates opportunities for honest conversations about what is really happening inside organisations. Those candid exchanges help procurement leaders avoid repeating mistakes while accelerating successful transformation.
Others shared similar experiences. Behring pointed to the importance of understanding how peers are deploying AI and evaluating emerging technologies, while Park noted discussions with fellow procurement leaders often proved just as valuable as conversations with software providers. Dhar reflected on DPW’s rapid growth over recent years as evidence that procurement itself has become a far more influential discipline than it once was.
Perhaps the strongest message came from Salyers, who described DPW as a place where people challenge conventional thinking, inspire one another and return to their organisations better equipped to lead change.
Procurement’s Defining Moment
Although each executive represented a different organisation, industry and stage of transformation, they revealed an unusually consistent picture of procurement’s future.
The function is no longer content with measuring success purely through cost reduction. Instead, procurement leaders are redefining their role around business enablement, resilience, commercial insight, supplier innovation and enterprise growth.
Artificial intelligence will undoubtedly accelerate that evolution, but only where organisations first establish strong processes, clean data and effective governance. Automation will increasingly handle transactional work, allowing procurement professionals to concentrate on the uniquely human capabilities that technology cannot replicate: judgement, relationships, creativity and strategic thinking.
The challenge now is not simply adopting AI. It is recoding procurement itself.
That was the unmistakable message running through DPW New York 2026. The organisations that succeed will not necessarily be those deploying the greatest number of AI tools. They will be those prepared to rethink operating models, develop new skills, redefine success and position procurement as an indispensable strategic partner to the business.
For a profession long associated with purchasing and cost control, that represents a profound shift. If the conversations at DPW are any indication, procurement’s next chapter has already begun. And this time it is writing the code rather than simply following it.
Asia’s FinTech ecosystem reached new heights with breakthrough announcements and industry-defining moments that will reshape the region’s financial landscape
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Money20/20, the world’s leading FinTech show and the place where money does business, concluded three days of industry‑shaping conversations. High‑impact networking, and packed stages were seen across three days from April 21–23 at the Queen Sirikit National Convention Center (QSNCC) in Bangkok, Thailand.
Money20/20 Asia – 2026
This year’s show welcomed over 4,500 attendees, a 40% increase in its third year. With over 360 speakers delivering over 100 hours of content across four stages. A very busy Money Hall show floor brought together delegates, sponsors and exhibitors from 90 countries. Across the show floor, companies reported a surge in commercial activity, with hundreds of partnership meetings, product demos, and investor conversations driving tangible deal‑flow throughout the three days.
“Money20/20 Asia is where Asia does business. The record attendance we’re seeing, combined with our relentless focus on quality – of audience, conversations, content, and experience – is translating into real partnerships and outcomes for the leaders shaping the future of financial services in the region. It’s why we are firmly established as Asia’s #1 quality FinTech show.” Danny Levy, Money20/20’s Executive Vice President & Managing Director for Money20/20 Asia and Middle East.
Headline Sessions
AI, cross‑border payments, digital banking, and the accelerating rise of digital assets, including stablecoins, tokenisation, and CBDCs shaped the headline sessions at Money20/20 Asia. Leaders from global banks, FinTechs, and regulators unpacked these themes across discussions on trust in banking, invisible finance, intelligent infrastructure, the future of digital banks, and ASEAN’s sustainability transition.
“Our goal is not just to digitise finance, but to humanise it,” said Daranee Saeju, Assistant Governor, Bank of Thailand, reinforcing the event’s focus on people‑centred innovation and trusted digital ecosystems.
These themes came to life across the agenda’s most talked about sessions. On Day 1, Technology, Trust and the Future of Banking in Asia brought together Scarlett Sieber of Money20/20 and Kattiya Indaravijaya of KASIKORNBANK to explore how modern infrastructure and AI‑driven intelligence are redefining trust and resilience in banking. “Uncertainty is a new normal. Banking will exist, but the way banks have to do the business will totally change,” said CEO Indaravijaya, Chief Executive Officer.
Day 2 spotlighted the rapid evolution of digital assets with The Rise of Blockchain and Stablecoin Payment Rails, featuring leaders from Uquid, Pantera Capital, VelaFi, and Trace Finance in a forward looking discussion on next‑generation cross‑border payment rails.
On Day 3, The New Paradigm of Cross‑Border Money Flows and International Expansion saw speakers from Money20/20, TenPay Global (Tencent), Fiserv, and Ant International unpack how Asia’s payment giants are building interoperable, multi‑rail systems to power global expansion.
Three Days of Expert Inisghts
Along with KASIKORNBANK, the programme saw strong participation from leading global and regional banks, with senior executives from Standard Chartered, Deutsche Bank, J.P. Morgan, Citi, and DBS Bank present across the three days.
FXC Intelligence and Money20/20 presented new findings from The New Era of Asia’s Cross‑Border Payments, underscoring Asia’s rapid growth, rising interoperability, and the convergence of key technologies shaping cross‑border finance. The Press Lunch additionally marked the debut of Money20/20’s new book, The New Intersection of Money – Where TradFi and DeFi Converge, exploring how traditional and decentralised finance are now co‑creating the future of financial services.
Money20/20 Asia spotlighted five rising startups Boost Capital, TrustPlus AI, Continuum, Eazy Digital, and zkMe, Money20/20’s Startup pitch winner during its Startup Media Panel. The show also hosted the Startup and Investor Park, where APAC startups met global investors and competed for a Golden Ticket to the 2026 Startupbootcamp Sustainability Singapore Accelerator. The program supports founders with pitching opportunities, investor access, and pathways to scale across Asia’s fast-growing fintech markets.
Policy20at Money20/20 Asia 2026 brought together more than 80 of Asia’s top policymakers, regulators, and industry leaders to address the rise of sovereign intelligence in global finance. In a closed-door Governors’ and Chairs’ Roundtable, participants aligned on three priorities: embedding regional values into global standards, building harmonised but sovereignty‑respecting cross‑border rails, and advancing intelligence‑led governance through AI and real‑time data.
After a highly successful third year in Bangkok, Money20/20 Asia has confirmed its return to the Queen Sirikit National Convention Center next year from 27-29 April 2027.
The Innovate Finance Global Summit (IFGS) once again set the tone for London FinTech Week, transforming the historic Guildhall into…
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The Innovate Finance Global Summit (IFGS) once again set the tone for London FinTech Week, transforming the historic Guildhall into the beating heart of global financial innovation on Tuesday April 21st 2026. As the flagship event of the week-long programme, IFGS brought together more than 1,500 senior leaders from over 70 countries. Cementing its reputation as one of the most influential gatherings in the FinTech calendar.
A mix of founders, regulators, policymakers, investors and financial institutions filled the venue’s grand halls, all drawn by a shared ambition: to shape the future of financial services. IFGS has long positioned itself as “where decision-makers meet,” and in 2026 that promise felt particularly tangible.
A Global Stage for a Rapidly Evolving Industry
The summit’s scale and structure reflected the complexity of today’s FinTech ecosystem. Across four stages and more than 100 sessions, attendees were immersed in a dense programme of keynote speeches, panel discussions and live demonstrations.
What distinguishes IFGS from many industry events is its ability to convene not just innovators, but the entire value chain. Fom early-stage startups to global banks, Big Tech firms and regulators. Companies such as Google Cloud, Amazon Web Services and Microsoft were prominent throughout the programme, reflecting the growing convergence of financial services and cloud infrastructure. Where policy meets practice and innovation meets implementation.
The agenda in 2026 was firmly aligned with the industry’s most pressing challenges and opportunities. Themes ranged from AI in financial services and open finance to stablecoins, fraud prevention and financial inclusion. Not juts abstract talking points, but the battlegrounds on which the future of finance will be decided.
Opening Momentum: Optimism with a Call for Action
The day began with a keynote from Innovate Finance CEO Janine Hirt, who set a confident yet pragmatic tone.
“We have built one of the most dynamic fintech ecosystems in the world here in the UK,” she said. “But leadership is not guaranteed. It requires constant innovation, investment and collaboration.”
Hirt highlighted the UK’s continued strength in areas such as open banking, while stressing the need to accelerate progress in digital assets, fraud prevention and global competitiveness.
A recorded address from Chancellor Rachel Reeves reinforced this narrative, positioning fintech as a cornerstone of the UK economy.
“Fintech is not just a success story—it is a strategic priority,” Reeves noted. “We will continue to back innovation, support digital assets development and ensure the UK remains a global hub for financial services.”
The political backing on display underlined fintech’s growing importance—not just as a sector, but as a driver of national economic growth.
AI, Data and the Next Wave of Innovation
Unsurprisingly, artificial intelligence dominated much of the conversation. Across multiple sessions, speakers from firms including NVIDIA, IBM and Accenture explored how AI is reshaping everything from customer onboarding to fraud detection and credit decisioning.
What stood out was the shift in tone. The discussion has moved beyond hype to implementation.
“We’re past the experimentation phase,” said a senior executive from Mastercard during a panel on AI in payments. “The focus now is on scaling responsibly. Embedding AI into core systems while maintaining trust and transparency.”
Similarly, Revolut’s leadership team pointed to AI-driven personalisation as a key differentiator in the next generation of digital banking. “Customers increasingly expect financial services to anticipate their needs. AI enables us to deliver that, but only if it’s built on strong data foundations.”
Closely linked to AI was the continued evolution of open banking into open finance and ‘smart data’. Speakers from the Financial Conduct Authority (FCA) and firms such as Plaid and TrueLayer emphasised the importance of interoperability and regulatory clarity.
“Open finance is the natural next step,” said an FCA representative. “The challenge is ensuring it delivers real value to consumers while maintaining robust safeguards.”
Meanwhile, stablecoins and tokenisation emerged as key themes in the context of global competition. Circle, Ripple and several UK-based digital asset firms contributed to discussions around the future of programmable money.
“The question is no longer if tokenisation will reshape markets, but how quickly,” said a Ripple executive during a digital assets panel.
The Exhibition Floor: Innovation in Action
Beyond the stages, the expo hall offered a tangible view of FinTech’s evolution. Established players such as Lloyds Banking Group, NatWest and Santander UK showcased innovation initiatives alongside emerging startups presenting solutions in regtech, embedded finance and payments.
Fintech scale-ups including Checkout.com and Adyen demonstrated new capabilities in cross-border payments and merchant services, while regtech firms, such as Entrust, highlighted advances in compliance automation and fraud detection.
This blend of established and emerging companies is one of IFGS’s defining strengths. It creates an environment where partnerships can form organically. Whether between a startup seeking scale or an incumbent looking to innovate.
The presence of regulators, notably the FCA, added another layer of value. Initiatives such as onsite ‘office hours’ enabled direct engagement between FinTech firms and regulators.
“Dialogue is essential,” one FCA official commented. “Events like IFGS give us the opportunity to hear directly from industry and shape regulation that supports innovation.”
Networking: Where Deals and Ideas Converge
If content is the backbone of IFGS, networking is its lifeblood. The summit’s design – from curated meetings to informal discussions in the Guildhall’s historic spaces – encouraged meaningful interaction.
With thousands of attendees and a high concentration of C-level executives, the event offered unparalleled access to decision-makers. Conversations between banks, FinTechs and investors were constant, with many attendees citing partnership discussions as a key outcome.
Even external challenges—such as a London Tube strike on the day—did little to dampen participation. If anything, it reinforced the determination of attendees to be part of the conversation.
“Nothing was going to keep people away,” remarked one venture investor. “IFGS is where the industry sets its agenda for the year.”
Key Takeaways: Collaboration, Competition and Confidence
Several clear themes emerged from IFGS 2026.
First, collaboration remains critical. The UK’s fintech success is built on strong relationships between startups, incumbents and regulators.
Second, global competition is intensifying. Whether in AI, digital assets or open finance, the race to lead the next phase of financial innovation is well underway.
Third, there is a growing sense of confidence in fintech’s role as an economic driver.
“Fintech is no longer a disruptor, it is the foundation of modern financial services,” said a senior executive from HSBC during a closing session.
Conclusion: A Catalyst for the Year Ahead
IFGS 2026 delivered on its promise as the centrepiece of London FinTech Week. By bringing together the full spectrum of the FinTech ecosystem in a single venue, it created a powerful platform for dialogue, collaboration and innovation.
More than just a conference, IFGS serves as a barometer for the industry’s direction. The conversations held within the Guildhall’s walls will shape strategies, partnerships and policies in the months and years ahead.
As FinTech continues to evolve at pace, events like IFGS are not just important; they are essential. They provide the space for ideas to collide, for relationships to form and for the future of financial services to be defined.
In 2026, IFGS once again proved why London remains at the forefront of global FinTech. And why the world continues to look to the UK for leadership in shaping what comes next.
FinTech Connect was a crossroads for strategy and execution. Global banks, FinTech challengers, regulators and investors gathered to define 2026 priorities, debate operational challenges and benchmark technology roadmaps.
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A Decade of Fintech Innovation
FinTech Connect marked its 10th anniversary at ExCeL London. Drawing 5,000+ industry professionals, 140+ speakers and 100+ exhibitors to explore banking, payments, compliance, digital transformation and blockchain innovation. The co-location with Tokenize: LDN brought deeper coverage of tokenisation and digital-asset infrastructure alongside core FinTech topics.
AI in Fintech: From Vision to Practice
A theme threaded through almost every theatre was AI adoption in financial services. But unlike earlier years’ speculative hype, this edition focused on practical deployment and risk management.
One standout panel, “GenAI That Customers Can Trust: The One Zero Digital Banker Story,” shared how One Zero built responsible generative AI features tailored for banking workflows, emphasising transparency and user trust. Industry leaders underscored that explainability, governance and compliance are no longer optional in enterprise AI.
A direct follow-on session, “How Do We Make AI Responsible in Practice?”, featured Rajeev Chakraborty from the Home Office discussing model governance and ethical safeguards for operational AI—an area rapidly becoming central to CIO and risk officer agendas.
Across both days, panels also explored how AI can reduce backlog in financial institutions, with Santander UK’s Head of AI demonstrating measurable impact on operational efficiency, and tackling tech debt at scale—a perennial challenge heightened by the influx of automation projects.
Key takeaway: AI’s role has shifted from emerging trend to core enterprise infrastructure, but success now hinges on responsible implementation, observable outcomes, and regulatory alignment.
Digital Transformation & Core Banking Strategies
Transforming legacy systems was another anchor topic. The Digital Transformation stage hosted robust discussions around neobanks and challenger strategies, with executives from TSB Bank and HSBC highlighting how incumbents are adopting agile ways of working while balancing risk and customer expectations.
The session “All In on Legacy? Driving Time to Market Without Big-Bang Migrations” resonated with many practitioners: incremental modernisation beats wholesale lift-outs when prioritising stability and customer continuity.
Another practical highlight, “Engineering Productivity Measurement: Traditional Bank to UK’s Largest Fintech,” narrated the journey of building measurable engineering benchmarks to align business goals and product delivery.
Key takeaway: Attendees left with a reinforced understanding that successful transformation blends cultural shift, incremental modernization, and strategic tech investment—not hurried replacement of core systems.
RegTech & Ethical Compliance: Balancing Innovation with Governance
RegTech, Compliance & Security sessions tackled the tension between rapid innovation and tightening regulatory guardrails—a debate central to fintech scaling.
A standout session titled “Ethical AI in Regulatory Technology: Balancing Innovation & Compliance” featured voices from governance, compliance and data-ethics functions. Panelists discussed strategies for embedding fairness, bias mitigation and traceability into machine-assisted workflows—a crucial step for institutions deploying automated decisioning.
Another forward-looking talk, “How Quantum Innovation Will Redefine Regulatory Operations,” examined how future computing paradigms could reshape compliance tooling and data verification—but also stressed the need to prepare today’s infrastructure for tomorrow’s disruptions.
Key takeaway: Compliance isn’t just a cost centre; speakers argued that robust RegTech can be a competitive advantage, reducing risk while enabling faster scaling.
PayTech & eCommerce: Securing the Digital Commerce Era
The PayTech & eCommerce stage delivered insights on securing payment flows and shaping the next wave of commerce innovation.
In “Emerging Global Tech Trends in Payments & Cash Management,” HSBC’s payment leaders unpacked how real-time rails and open APIs are influencing cross-border flows. Fintech Connect 2025
The panel “Transforming Payment Security with AI” brought together payment experts and academics to examine fraud detection innovations—AI-enabled risk scoring, adaptive authentication and cooperative intelligence sharing—as a defence against evolving threats. Fintech Connect 2025
A later session on “Tackling Cyber Threats in a New Era of Digital Payments,” addressed real-time threat detection, third-party risk and securing complex ecosystems, underscoring cybersecurity’s front-and-centre role for digital commerce. Fintech Connect 2025
Key takeaway: Payments remain fertile ground for innovation, but trust and security are foundational determinants of user adoption and ecosystem resilience.
The Tokenize: LDN co-located stage brought in robust debate around real-world asset (RWA) tokenization and Web3 infrastructure—not as fringe buzzwords, but as emerging institutional tools.
Panels like “Bridging the RWA Infrastructure Gap” unpacked regulatory friction points and scaling challenges, highlighting custody risk, compliance complexity and standardisation needs—critical prerequisites to institutional adoption.
Another session on “Expanding Investment Opportunities With Fractional Ownership” featured cross-sector thought leaders, including Dr Lisa Cameron (MP & Crypto APPG Chair), exploring how tokenised assets can democratise access to traditionally illiquid markets.
Web3 panels examined trust, privacy and compliance in blockchain ecosystems and navigated the practicalities of smart contracts and decentralised identities—topics that are rapidly gaining traction with enterprise adopters.
A key session, titled Blockchain and CBDCs: At the Heart of Public Transformation? featured NatWest’s Head of Group Payment Strategy Lee McNabb, EY’s Emerging Tech & Innovation Leader Igor Mikhalev and Joy Adams, COO for Digital Assets at Deutsche Bank. A lively debate chaired by CommerzBank’s Poonam Ahuja examined the pros and cons of digital currencies and the rise of stablecoins.
Key takeaway: Tokenisation is still nascent, but panels stressed it’s transitioning into a practical institutional infrastructure conversation, with regulatory clarity and integration tooling cited as catalysts for broader uptake.
Startup Innovation & Demo Highlights
The Innovation & Start Up stage and Start-Up LaunchPad provided rapid-fire exposure to emerging companies pushing the frontier.
These sessions were among the most interactive parts of the show, with founders directly answering questions on integration, compliance and product-market fit.
Key takeaway: Startups revealed solutions that dovetail with enterprise needs—especially around AML automation, customer engagement and data orchestration—making them compelling partners for larger financial services buyers.
Networking, Community & Celebration
FinTech Connect didn’t just deliver talks; it facilitated dense networking across peer groups, investors, regulators and tech leads. The AI-powered networking app helped attendees pre-book conversations and tailor agendas, turning serendipity into structured discovery.
The 10th anniversary celebration—complete with drinks, a Christmas Market theme and live entertainment—reinforced the community aspect and capped the event on a high note.
Conclusion: A Hard-Working Fintech Forum
FinTech Connect 2025 proved to be more than a conference—it was a strategic inflection point. While technology and vendor showcases were abundant, it was the panel debates and operational talks that delivered the most actionable insight. Attendees departed with:
A clearer view of AI adoption roadmaps;
Practical frameworks for RegTech and compliance transformation;
Nuanced understanding of payments security and real-time rails;
Emerging tokenisation playbooks suitable for institutional pilots.
As FinTech leaders prepare 2026 budgets and technology plans, FinTech Connect has reaffirmed itself as a must-attend forum where strategy, innovation and regulation intersect—and where the next decade of financial services will continue to take shape.
We sat down with Abe Eshkenazi, CEO of ASCM, to dig into the organisation’s focus points, and how CHAINge is addressing supply chain’s needs
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Tell me a bit about your background, and how you got into supply chain.
Early in my career, I spent quite a bit of time in operations and materials management. We didn’t call it supply chain back in the day – it went by a number of different terms. Not surprisingly, given my role within ASCM, I worked closely with supply chain professionals, not only to elevate the role of the supply chain professional, but to understand the impact that supply chain has on business and society.
At ASCM, we’re focused on not only supporting that competent, capable individual, but ensuring that organisations are responsible in terms of using supply chain to really enable consumers and patients to get what they need at a reasonable price and reasonable time. This is what supply chain is about. My background combines that business management education and deep engagement with supply chain professionals. This gives me a strong appreciation for not only their challenges, but the opportunities the field faces today.
Tell me about the planning for CHAINge NA this year. What were you looking to achieve when putting ideas together?
Today, supply chain professionals are trying to balance efficiency with geographic diversity and political resilience. They’re trying to put those things together and identify what would make an individual do their job better and exchange that information with others. So our planning is centered around a key theme, which is: how do we equip supply chain professionals for what’s next?
The systems that we built for speed and cost optimisation are under stress right now. They’re struggling under the weight of complexity, volatility, consumer demands, and all the disruptions that we’re facing today. We’re being called today to rethink not only how quickly and cheaply we can move things and get them to the consumer, but how responsibly, transparently, and resiliently we can operate today. Our hope is that the engagement part of the event enables individuals to exchange information and walk away with insights and actionable strategies that can be taken back to their organisations and implemented. We’re truly looking for that engagement from the attendees. This is an event for the attendees, by the attendees.
It’s also about making the contact and relationships that we all depend on. We’re all seeking opportunities and examples of organisations that have done it better or have responded easier to the challenges that we’re facing today. This provides individuals with an opportunity to engage. We had an opportunity to do this at our European event, after which attendees overwhelmingly indicated that the engagement part – the opportunity to exchange information learned from each other – was a key element of the event itself. We’re trying to replicate that, but with the amount of issues that the US is facing versus the rest of the world, the topics are going to be a little bit different here.
What are the core topics covered at CHAINge NA that you think are most helpful for supply chain professionals?
We need to take a temperature of the current environment, and not surprisingly, we structure the event around several core themes that we’re all facing today. First, resilient and agile supply chains. The adaptability that’s required today is unlike any time that we’ve ever faced. We’ve had disruptions before, and we’ve responded as an industry. Today, we’re continuing to respond, but the pressures on these individuals due to day-to-day uncertainty has created a very different environment.
The second core topic is emerging technologies. As the focus on resiliency and agility becomes much more critical, there are only a few ways to gather the data necessary to enable organisations to make informed decisions. Not surprisingly, AI, digital twins, and a whole host of scenario planning technology tools are a focus for a lot of organisations today. Digital transformation is happening in almost every organisation to shore up their visibility, their transparency, and their traceability.
Also, advancing sustainability practices. We can’t forget that at the end of the day, we still need to be sustainable as an industry. This has been a huge focus within supply chain. It’s taken a little bit of a backseat in the current environment, but organisations are still focused on ensuring that they are sustainable and ethical in their business practices. Lastly, no discussion can be had without understanding what the talent availability is, what their capabilities are, and whether we are ensuring that we do have the right talent.
How important is collaboration (accelerated by things like CHAINge) in supply chain, especially as the landscape becomes more complex?
In today’s environment, as we focus on visibility and on connecting all parts of our supply chain end-to-end, we understand the demand signals clearly so that we can address them appropriately. Collaboration is no longer optional – it’s essential. No single individual organisation can solve today’s challenges on their own, whether it’s navigating geopolitical tensions, managing risk in a global network, or even driving sustainability. The solutions demand cross-functional and industry collaboration. It used to be that the Chief Supply Chain Officer in the back room was only called upon when there was a crisis. Well, I think we’ve got enough crises today that we need to push that individual into the front office.
First, we need to enable them to use their voice at the table to advocate for appropriate supply chain practices, but also in combination with a wide range of other roles. These are the teams that are now addressing these issues. It’s no longer just a supply chain issue; it’s an organisational issue. It’s a societal issue that we now need to address, and there’s only one way to address that; that’s through collaboration within the organisation, as well as with your partners, your vendors, and your vendor’s vendor. This is a very dynamic environment today, and enabling organisations to have that complete visibility and connectivity is critical.
There’s been a lot of talk about a shortage of talent across supply chain; how big an issue is this, from your perspective? And how can it be overcome?
From our perspective, it’s one of the defining issues of our time. As supply chain has moved from the back office to the boardroom, so has the demand for skilled professionals. More often than not, supply chain people come out of finance or engineering. In today’s environment – a very diverse workforce – digital natives are coming into the workforce. They’re not only adaptable, but very comfortable with modern technology. It’s a little bit of a reverse from the leadership that we have in supply chain today, that may still be using that Excel spreadsheet on their systems. Supply chain has the demand for those skilled individuals.
To address this, we’re focused on a number of things. First, expanding the awareness of supply chain as a rewarding career path, which our salary and satisfaction surveys confirm. Secondly, talking openly about investing in ongoing professional development. We’ve been to a lot of conferences and whether we’re talking about AI, sustainability, or disruptions, at the end of the discussion, it always comes down to people. We should be talking about the people at the beginning of the discussion as opposed to the end of it. We need to create that opportunity for individuals to see that they can not only make a difference, but that their voice is heard and followed on within their organisation. That’s what we’re preparing supply chain professionals for.
We need to provide an inclusive workplace that attracts and retains that diverse talent. As I indicated before, individuals coming into the workforce are digital natives. They’re very adept at AI and they’re more than willing to jump in with the technology. We need to enable them with problem solving, critical thinking, and experience on the job. I couldn’t be more excited about the individuals coming into the workforce today and the focus, and they’re able to change the world through supply chain.
How can supply chain professionals approach the challenge of ever-changing regulatory requirements?
Financial markets and supply chains do not like uncertainty. We like certain demand signals so we can ensure that our supplies are appropriately managed. Supply chain professionals need to have robust systems to monitor changes and provide that data, or the regulatory information and policy individuals reporting become significant. Among the concerns that we have is that more often than not, it’s become regulatory or policy and it becomes a checklist. Part of that concern is whether we’re really focused on really making a change, or focused just on those compliance checklists that often drive down to minimum effect.
Today, technology helps, but so does developing a culture of compliance and resiliency. Once again, collaboration matters, sharing best practices across industries, and enabling individuals to understand that there are ways to respond to the regulatory and the policy changes.
What are some of the most exciting innovations happening in supply chain today?
I think the combination of the people and technology is what’s going to make an exponential difference. On the technology side, tools like advanced analytics, AI, and digital twins are transforming how we forecast, manage risk, and build resiliency. The real innovation is combining cutting edge technology with a highly skilled, adaptable workforce. I heard a fantastic quote the other day: ‘AI is not going to take your job; an individual using AI is going to take your job’. That’s where the focus is right now – enabling individuals to use technology to really leverage that and enable organisations to be much more responsive and agile, as they address demands.
The Financial Transformation Summit (FTS), presented by MoneyNext, took place June 18-19 2025 at London’s ExCeL Centre, Royal Victoria Dock. With over 2,000 attendees, 300+ speakers, and 400 roundtables, it stood out as one of the most immersive and interactive events in the financial services calendar.
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FinTech Strategy hit the conference floor at the heart of the action delivering insights from experts across Banking, Insurance, Wealth, and Lending at Financial Transformation Summit (FTS).
Financial Transformation Summit attendees from banking, insurance, wealth, lending, fintech, consultancy, and regulatory sectors convened for two days packed with keynotes, panel talks, immersive demos, and networking among 60+ exhibitors and startups.
Co-located streams – Banking, Insurance, Wealth, and Lending part of themed zones– meant that ticket-holders could explore adjacent sectors fluidly across a guiding theme: culture, collaboration, and customer centricity driving tech adoption and transformation.
Programme Highlights
Keynotes & Panels
1. Data Silos & Cross‑Institutional Collaboration
A panel featuring senior leaders from EVLO, Aon, Schroders, and Brit Insurance tackled how institutions – despite collectively spending over $33 billion annually on data – still struggle to collaborate due to privacy concerns and regulation. Innovative solutions included federated learning, anonymised client IDs and consent-backed APIs.
2. Digital Insurance via Wallets
Anna Bojic (Miss Moneypenny Technologies) unveiled a fresh take on insurance – embedding policy and claim data into Apple/Google Wallets. The idea: dynamic customer interaction directly from smartphone wallets, enhancing real‑time engagement and retention.
3. ESG Economics & Market Reality
Marc Kahn (Investec) challenged ESG orthodoxy, urging firms to emphasise human and planetary wellbeing – beyond purely financial returns – to capture stakeholder trust and sustainable growth.
4. People & Psychological Safety
Kirsty Watson (Aberdeen Group) and Vikki Allgood (Fidelity International) underlined that technological investments are futile without organisational design and psychological safety. Allgood cited a McKinsey study revealing only 26% of leaders build teams with a sense of safety – a critical step toward innovation.
5. Human‑Centred AI
Monica Kalia (Planda AI) championed AI that models individual financial contexts – recognising diversity within demographic cohorts and personalizing services accordingly.
Roundtable Experiences at FTS
At the event’s heart were the TableTalk roundtables – 400+ small-group sessions, each led by a subject-matter expert. These were limited to six participants each, enabling deep, peer-led discussions on themes like:
AI in risk and compliance
Open banking integration
ESG data standards
Cyber resilience
Change management and culture adaptation
Attendees consistently praised their interactive nature – far removed from the stage‑focused “listening” format often critiqued at other conferences.
Demonstrations & Exhibitor Showcase
Over 60 exhibitors presented tech-driven innovations: Generative AI, open‑banking APIs, ESG reporting tools, embedded finance solutions, and more. A few standouts were:
CRIF highlighted AI-powered credit scoring with ESG overlays – promising dynamic risk assessments backed by sustainability data
Emerging FinTechs demoing AI compliance engines, digital wallet insurance packaging, and data-sharing platforms
Hylanddemonstrated the intuitive end-user experience of its Hyland Content Innovation Cloud™ and showed how easy it is to configure, tailor and deploy solutions that can empower key stakeholders across any business
The demo zone allowed engaging, hands-on exploration and real-time Q&As; it complemented the content with practical insights.
Standout Themes & Strategic Insights
1. Tech is Not Enough Without Culture
Recurrent messaging emphasised that culture, trust, governance, and psychological safety are foundational – not secondary – to digital initiatives. Technology alone won’t deliver transformation without a people-first mindset.
2. Cross‑Sector Data Collaboration
Despite heavy investment, institutions still operate in silos. Shared, secure infrastructure and regulatory-aligned frameworks are being prototyped, but broad adoption remains a work in progress.
3. AI-as-a-Personalisation Backbone
AI is shifting from automation to empathy. Organisations showcased tools to hyper-personalise offers yet maintain privacy and inclusion – moving beyond outdated demographic frameworks into genuine behavioural understanding.
4. Embedded Finance & Digital Wallets
Insurance via wallet applications and embedded finance models point to seamless customer journeys – less app hopping, more value delivered at the point of need.
5. Rebalancing ESG & Profit Metrics
Speakers emphasised integrating ESG factors into performance metrics – not just for compliance, but as an operative advantage anchored in long-term stability and stakeholder trust.
Who Should Attend FTS Next Year?
Ideal for:
Transformation and change leaders
CTOs, CIOs, and Heads of Innovation
Data and AI strategists
Operational and HR leaders focused on culture
FinTech innovators and solution providers
If you’re crafting digital transformation strategies, an attuned leader in financial services, or a consultant embedding tech in legacy environments, this summit provides rich, actionable content.
Expect next year’s event to build on this foundation:
More AI-specific tracks, possibly Generative AI streams
ESG deep-dives with case studies on implementation
Expanded regulator involvement around data governance and cross-border compliance
FTS: Final Verdict
Overall, the FTS 2025 delivered on its brand promise:
Interactive and inclusive: 400 roundtables empowered voices across levels.
Cross‑sector learning: Banking, Insurance, Wealth, and Lending streams offered both breadth and depth.
Insightful keynotes: Big ideas on AI, ESG, data-sharing, and culture were well-explored.
Real-world relevance: Exhibitor demos connected theory with practice.
Networking with purpose: Opportunities to engage, learn, and collaborate were abundant.
The Financial Transformation Summit struck a compelling balance between big-picture vision and granular, execution-level insight. It emphasised that while technology enables; culture, customer centricity and collaboration drive real progress. The format – with its roundtables, demos, and keynotes – offered a dynamic platform for knowledge exchange.
If you attended, chances are you left with practical next steps. If you didn’t, you missed one of the most interactive, future-focused events shaping financial services transformation today.
SupplyChain Strategy attended July’s Exiger Executive Forum to hear from the best and the brightest in the industry.
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Supply chain resilience is one of the most pressing concerns of modern business, whether executives are aware of it or not. That was the central theme of the Exiger Executive Forum held on July 23rd 2025. Titled Supply Chain Sovereignty in a Fractured World: Winning the AI and Geopolitical Race for Resilience, the event brought together business analysts, CEOs, supply chain and procurement executives, academics, and politicians for an open discussion around supply chain sovereignty and the urgent need to secure supply chains across myriad industries and territories.
As geopolitical events, trade wars, and threats to globalised networks threaten to destabilise global and local supply chains, the case for supply chain sovereignty, which is an organisation’s ability to control its supply chain and minimise dependence on external suppliers, becomes increasingly stark. However, a myriad of stakeholders must come together to enable organisations and nations to gain independent control of supply chains, and collaboration between industry, government, and academia is essential.
Three guest speakers joined Maria Villablanca, CEO and Co-Founder of Future Insights Network, each representing voices from within politics, business, and academia: Tobias Ellwood, former UK Minister and Chair of the Defence Select Committee; Koray Köse, CEO and Chief Analyst of Köse Advisory, Senior Fellow at GlobSEC Geotech Centre, and Board Member of Slave-Free Alliance; and Karsten Machholz, Professor for Supply Chain Management and Strategic Procurement at University of Applied Sciences, Wuerzburg-Schweinfurt.
The discussion exemplified the discordancy of priorities and perspectives among senior voices from all angles regarding security, economics, policies all impacting value chains, albeit with a shared willingness to engage in secure, competitive, ethical and innovative supply chains, fuelling businesses and economies through heightened volatility in a fractured world that is recalibrating through the era of reglobalisation.
Supply chain sovereignty: Bridging political understanding, and urgency
“It is a dangerous world that we’re entering,” Ellwood warned. “If I ask you ‘Do you think the world will be safer or more dangerous in five years from now?’, I think we’d all agree in which direction it’s going. We have to then ask ourselves how we prepare for that.” To that end, Ellwood believes an increased focus on supply chain sovereignty is both an economic and military imperative.
For Ellwood, the central issue is limited understanding, both public and private, around the urgency presented by the current risk and threat environments. Through the combination of limited knowledge around supply chain complexity and an election cycle-focused impetus to enact vote-winning policies, he believes the political class lacks both the nous and urgency to prioritise supply chain sovereignty.
“After 20 years in politics, I can safely say that many politicians are simply unaware of what’s coming over the hill,” said Ellwood. “The tide took me out to the last general election, and so I went from helping to craft and nudge policy and encourage Britain to move forward to then scrutinising what we were doing, not just at home but internationally. Now that I’m outside of politics, I continue doing those same things.”
The necessity for political engagement is not lost on Köse, who through his own experiences of researching, advising and leading supply chain organisations, has been advocating for supply chain resilience as a top line driver for economies and companies, has equally encountered the depth of that disconnect.
“At an early point I realised that geopolitics is the key denominator for all value chains and all of us in this context,” he said, adding that work is overdue but starting to be underway to bridge this gap. “The London Defence Conference, as one critical congregation, is key for you all folks to be aware of. Not only because of what they do in terms of bringing the politicians into one room to debate some of the most fierce topics of the day, but it’s all about convergence. Bringing in supply chain leaders, policy makers and technology folks with a direct approach to debate.”
Villablanca noted that Ellwood’s presence was indicative of a gradually shifting tide, however. “It’s not lost on me that here we are in this panel, talking about supply chain, and we have a former politician with us,” she said. “That is very different to some of my earliest supply chain conferences where we didn’t see that, so it’s a sign of the times. Set the scene for us around why you’re here and why it’s important to discuss the geopolitical situation vis-a-vis supply chain today.”
“I spent most of my time in politics trying to strategise, trying to go four or five chess moves ahead, and I found I was on my own,” Ellwood replied. “Politicians operate for the day, for the here and now, the election cycle; the news cycle is what keeps them busy. They’re not thinking about these things and yet the world we’re now seeing in everything… everything is being weaponised because that is the change in the character of conflict.
“But today, from my perspective, I see the world splintering into two spheres of hugely competing influences. If you look at the number of countries that have signed up to China’s One Belt One Road initiative, you’ll see that many of them are either opting or hedging their bets as to where things go.
“To make matters worse, our exemplifiers of what democracy looks like aren’t in a good place. We see what’s going on in America, British politics and so on, and Europe and America are not on the same page. We aren’t promoting global law in the sense that we had a sense of determination that we had when organisations were set up in 1945. Other nations are getting together and realising that there’s an opportunity to exploit the wobbliness of our world order and do things their own way.
“That’s where the mechanisation of just about anything comes in to cause us economic harm, to sow political discord from afar. It’s very easy to do and becoming easier simply because of the openness of our society. It means, from a rudimentary perspective, anything you do can be weaponised against you.”
“It’s very easy, from afar, to then limit your supply chains and thereby limit your capabilities. There are countries that specialise in sowing economic discord from afar. They understand and learn and know supply chains better than we do, and they can work out which missing pieces will cause our assembly lines to grind to a halt.”
That lack of preparedness, he says, is an impediment to putting the nation on a footing that could support a war effort on the scale of the World Wars.
He continued: “There’s also the prospect of preparing for war, which means that we are suddenly spending more money on defence. Our ability to switch on the supply chain levers to support military capability is not there. This is why companies that have no connection with the defence world need to think about the services they provide that might have a military bearing. In five years time, you may be called upon to do exactly that.
“That is the mindset we now need to get into. Security and economy are one and the same now, and that’s what we need to learn.”
AI, foresight, and risk strategy
The conversation then shifted to the business side, where securing critical supply chains powering key technologies such as AI, defence and security, biotech, energy and quantum computing has become a more pressing concern in the wake of a range of global disruptions through the early 2020s.
Along with broad supply chain breakdown during the COVID-19 pandemic, the geopolitical environment has become more fraught. Escalating trade wars, the imposition of sweeping import tariffs in the US and heightening tensions between America and China have thrown globalised networks into question. Alongside those challenges, Environmental, Social and Governance (ESG) directives have placed an increased onus on supply chain leaders to sanitise their supply networks against modern slavery, conflict minerals, and indirectly sourcing materials from rogue nations. The case for establishing redundancies in supply, as well as heightening visibility on an end-to-end supply basis, was thus clear amongst the panel.
“Koray, you work with a lot of different companies,” began Villablanca. “Do you think there’s a mindset issue where politics and commerciality need to come together to realise the common goal and create resilient supply chains?”
“Directly, there probably is a mindset issue,” Köse replied. “I think there is a lack of clarity about the importance of geopolitics’ impact upon supply chains, and there is certainly the capability issue of understanding the context of geopolitics.” He then elaborated on the challenge by highlighting shortfalls in companies’ predictive capabilities.
“Companies operate with risk dashboards,” he continued. “Sometimes it’s just red, yellow, green, and that’s all you have. They have a few key risk indicators like financial compliance issues, quality issues, performance issues, but you never see strategic foresight. It’s retroactive, based on historical numbers. If you look at a production line it might say, ‘We didn’t have an incident for 80 days’. What if somebody were to say, ‘We won’t have an incident in the next 100 or 80 days’? You don’t see that in production; it always looks backwards because it is built on the past.
“A big problem in a lot of the military complex, and in politics, is thinking that the next war will be like the last one. They cannot necessarily understand that asymmetric, hybrid and proxy warfare is really where things are going, and the same goes for technology. Supply chains are often built on yesterday’s technology.”
To then end, he believes supply chain leaders should be more forthright in leveraging their profound influence upon business operations: “In supply chain, we see the conversation about having a ‘seat at the table’ for decades now and I always say, ‘Just bring your own freaking table’, and invite everybody to it. Everything, every cent in an organisation, goes through you. Own that leverage and don’t run after them, invite them to come to you. Your table is where value is generated, secured and innovation and competitiveness are established. You hold the fate of the future.”
As to politics’ place within meeting this challenge, Villablanca asked Ellwood whether the political sphere could be doing more to shape the corporate agenda.
“Yes, and that last point you said is the most critical; recognising that there is a massive risk, that this is a very different world that we’re now facing, and I expect the point that’s really being made is the absence of politicians,” he said. “The politicians themselves need to be told what we need because their expertise in understanding this arena is poor.
“China now owns the periodic table. If you are into silicon wafers, where’s your serum going to come from? If you’re into magnets, where’s your Europium going to come from? You need to know this sort of detail, and it’s not just you yourself. It’s your suppliers and the suppliers of your suppliers, too.”
While supply chain transparency has undoubtedly increased in recent years, he stressed that considerable work remains to realise total visibility.
“At a recent procurement event I was astonished at how many household names were unaware of what their second and third-tier partners were doing during the procurement cycle,” Ellwood continued. “They didn’t understand the vulnerabilities, down to the SMEs, of what’s going on. If the assembly line stops then that’s quite serious, but what’s going to happen because of that stress?
“There are people who don’t understand it over here, not recognising that our competitors are deliberately looking at our supply chains and working out where that vulnerability lies. It is so that Ford stops making trucks, so that pharmaceuticals stop making medicines. Ministers are ignorant about this and we need to become better at it. This is the frontline of the next war that we’ll fight, and that war is coming.”
“I would add that some can’t fathom the complexity of certain supply chains and the vulnerability and risk associated with multiple tiers within them,” Villablanca posited. “There’s probably a translation issue with regards to business and politics around supply chain.”
To this, Ellwood stressed that international government groups hold the keys to unlocking a broader understanding within members’ respective political spheres.
“The G7, the Five Eyes Alliance, this is where these conversations need to go,” said Ellwood. “To recognise this must be a priority within the western world, we now need to have an alternative source to make sure that we can build our aircraft, we can build our factories, we can build our products. It isn’t so much the rare earth minerals themselves, but it’s the processing. Setting up a processing factory for rare earth minerals takes almost a decade.”
Here, a guest interjected with a point that hearkened back to Ellwood’s own admission that politicians have an innate directive to focus on local, vote-winning issues: “Politicians recognise there are no votes in this. The average MP will say their inbox is full of ‘fix the NHS’, ‘get the roads fixed’.”
Resolving political challenges such as those, Ellwood replied, is predicated upon strengthening economies to open fiscal headroom for public investment.
“If our economy is affected by problems with our supply chains, there’ll be no money in the treasury,” he explained. “Not for health, transport, potholes, policing, defence. It’s imperative that if you want to fill the coffers, then we need to protect ourselves. You can only do that with supply chain resilience. As a politician, you’ve got to take the people with you if you want to make the case.”
Villablanca then repositioned the conversation with regards to pressing issues around sustainability.
“There’s a lot of risk associated with our supply chains that goes beyond geopolitics,” she said. “We also have climate issues, economic issues. How do we maintain sovereignty in our supply chains while still trying to pursue goals around sustainability?”
“Supply chain transparency is something that I advocated for when I was a young consultant in the early 2000s when my hair was not so grey,” said Machholz, highlighting the gradual shift in supply chain priorities around identifying the finer details across those networks. “It isn’t a new topic and in the EU we now have the Critical Raw Materials Act.
Machholz drew the conversation towards sustainability in the context of integrity and continuity. “I’m German, and what we have is engineering power. We are good at car and machine manufacturing, but we have no natural resources. We have a little bit of coal, but all other things need to be imported. There have to be some sources to get those things.
“There’s Trump and tariffs going up and down, and we have some other geopolitical tensions affecting supply. You might say, ‘Where do I source this particular thing from? We don’t really have a second source of supply, because both of these sources are located in the same geographical spot.’ Maybe both of them are coming out of China.”
For Machholz, lessons to be gleaned around forecasting with technology’s latest predictive capabilities were presented en masse by the pandemic. “If we look at COVID, almost all supply chains were disrupted and you were running out of materials,” he continued. “You needed to be much more risk alert, and this is the problem we have already touched on: not looking in the back mirror, but using your data and turning insights into foresights to see what could happen, and then being agile and adapting.
“Sustainability could be one thing, having several sources, having alternatives, but of course, especially if we’re talking about critical raw materials, critical parts or maybe patent-protected or monopolistic suppliers, we are in an ambitious situation, put it that way, to find some alternatives.”
Machholz stressed: “This is something that each supply chain manager, CPO, and CFO, needs to understand to set boards’ scenarios. I’m pretty sure with the help of artificial intelligence we can elaborate much more on our data and predict different scenarios so we can be more prepared rather than just reactive.”
Shifting from cost-cutting to resilience
Of course, supply chain executives are under siege from an enormous breadth of challenges, whether it’s geopolitics, technological evolution as both a benefit and a threat, and shifts in consumer behaviours precipitated by those same factors. Rising to meet those challenges on all fronts, especially in a business landscape that often adheres to cost optimisation and efficiency over investing in resilience, can give rise to decision paralysis or financially-stymied strategies.
Turning to Köse, Villablanca asked: “There’s a mountain of black swan events lurking around us, ready to attack at any minute. What are the things that a supply chain leader should be focusing on today to try to build resilience?”
“To be honest, I don’t think they’re looking at building resilience,” said Köse. “What they’re doing right now is cost optimisation, looking at inflation and making sure that the profit margins are going to be protected through the bottom line, not considering top line revenue maximisation.
“I think agility and economics always need to come back to top line, which basically means in the context of normal business 101 you are producing something, that there is a want and a need and a willingness to pay, and not necessarily hyper-focusing on the cost line or saying, ‘I’m not going to produce a bunch of bullshit that nobody’s going to pay for, just because I got to claim savings to my CFO’.”
“I’m going to challenge you there,” Villablanca interjected. “I think, theoretically, that’s great, but everybody in this room is running a business. We have our own boards, people above us, board directors and so on saying, at the end of the day, you are remunerated and we are all remunerated for our quotas. How do you deal with the day-to-day management of your business as well as building that kind of resilience, agility and visibility?”
To this, Köse stressed that the difference can be made by reframing how businesses examine and counteract risk. “We’re thinking about turning the tide by really embedding foresight in risk indicators. Those risk indicators need to incorporate geotechnical, geostrategic issues with foresight,” he continued before highlighting what he implied to be a tendency for organisations to bury their heads in the sand when faced with developing geopolitical challenges.
“I published an article before Russia invaded Ukraine, about Russia getting ready to invade Ukraine, that went through loads of red tape and debate internally that calling Russia an aggressor was cancelled out from the research note,” said Köse. “They said, ‘You can’t say that’ while it was pretty obvious that Russia were clearly the aggressors.
“The supply chain-focused function needs to spread out and have these geopolitical indicators, geotech-related risk indicators, and not just the last financial report from your supplier A to Z or tier one or tier two.
“We must then tie it back to the value and revenue you’re generating. Get away from this hyper focus and obsession with savings. In that context, make your analytics smarter with a bold analysis of things that you feel uncomfortable about. Think about ‘what now?’ and think about politics. I know we eradicated politics out of business as much as we eradicated many other beliefs from the conversation, but it has to come back.”
With this in mind, he proposed that cost optimisation is to an organisation’s detriment where resilience is concerned, not to its security. “Your indicators for success are not just on the cost line item or bottom line. Your priority must be on the top line. If I sell more, I can grow. With cost optimisation you can shrink yourself to death. That’s what some countries have done with political reviews where you shrink this, you shrink that, let’s shrink here, let’s shrink there. Potholes, collapsing bridges and rail systems, come because of the shrinkage of your investment budget for public infrastructure, for example. What I have found in the last decade of the sustainability high is that it actually impeded resilience, while the narrative said it was supposed to increase resilience.”
To this, Machholz highlighted the data behind Köse’s comments that resilience offers heightened growth potential than cost-cutting measures.
“There were some studies from McKinsey which showed that companies who are investing in risk management are 4.7 times more profitable than those who don’t,” Machholz shared, stressing that businesses engaged in this mindset are missing growth opportunities.
“People just fall back and say, ‘Okay, now the risk is over, COVID is over, whatever event is over,” he continued. “‘We can just go back to business as usual’. Resilience is just extra cost, extra inventory, maybe a second supply chain that needs attention, money, and people to take care of it, and they just simply don’t do it. This is, I think, one of the big threats that we are all facing.”
Exiger Executive Forum: A closer look
The Exiger Executive Forum (EEF) in London is a global think tank that brings together elite independent voices from strategy, policy, technology and business to equip leaders with the frameworks and foresight needed to navigate the multipolar era. The EEF is exclusively curated for industry experts, analysts, policy makers, and senior procurement and supply chain decision-makers through Exiger, a market-leading supply chain AI company. The next Exiger Executive Forum ‘War-time Economics: How Europe’s €800BN Defence Spend Will Reshape Supply Chains’ will take place in London on Thursday, September 18th, 2025.
Ellwood concurred that this lack of foresight and willingness to invest in protective supply chain measures leaves businesses undefended against interruptions both foreseen and not. “We need to prepare ourselves for unexpected events to happen as the norm,” he said. “What would happen to any business if it didn’t have power for 72 hours? How would you look after your personnel? How do you make sure you salvage the business so that, after 72 hours, you can get back up and running. These aren’t questions that we naturally posed at the moment because again, we tend to park these things.
“The mentality may be, ‘The world certainly feels like it’s getting dangerous, but my life actually looks okay.’ That isn’t the right attitude. If you go to Sweden or Finland, who are much closer to the war with Russia, they are preparing in a way that we are not for a major event or incident. It may well be that when something happens and it’s the moment where governments wake up, but you shouldn’t be waiting for that moment.”
Villablanca then highlighted the recent, universal example of poor supply chain resilience bringing business, both domestic and international, to a grinding halt. “Did we learn nothing from COVID?” she asked. “Did we not take the opportunity to stress test our supply chains and look for the vulnerabilities within multiple layers?”
In response, Ellwood invited guests to consider whether the muscle developed in response to COVID’s interruptions had been allowed to atrophy. “I think that’s a question for everybody; how much of that was retained?” he asked before blending the conversation of supply chain agility with the potential for organisations to support national security should their respective nations go to war.
“During COVID, supply opportunities came about,” he said. “Everyone here today represents diverse businesses. What services do you provide that you could tweak or add value to where something else has fallen short?
“That’s where life really becomes interesting because that’s what happened in the First and Second World Wars. We called on organisations that previously had no interest in helping out with the war effort to add support and value to the wider machine and protect ourselves from a resilience perspective.”
Challenges faced by supply chains, he explained, have analogues to business that clearly marry the political and business spheres: “When we say ‘war effort’ today, it isn’t just Army, Air Force, Navy, air, land and sea. It’s now cyber, it’s space, it’s coastguard, it’s AI. This greater warfare is where a lot of the real pain will happen. As happened in COVID, it’s going to be the clever people in the industry that step forward to say, ‘I’ve already thought about this’. They’re in the patent-esque mode, they’ve done the work to say, with a few tweaks here and there, give us some extra money, and I can alter what I’m producing to provide a solution.”
The roles of government and industry
While there are clear precedents for, and incoming needs to, prioritise supply chain resilience in both the political and business spheres, the conversation made it clear that a unified front stands to offer the most impact.
The challenge, particularly in a political environment preoccupied with economic stabilisation, increased productivity, and soothed international relations, is identifying a shared north star or galvanising body to lead the shared project.
Striking at the heart of the conversation, one guest posited: “If we want to align supply chain and geopolitics moving forward with a mutually-reinforcing relationship and shared goals, joint risk assessment, a focus on resilience over efficiency, and heightened cross-disciplinary talent and data, what are the forward steps?
“What can we within industry do in partnership with governments to move this forward?”
Representing the political voice, Ellwood replied: “There are certainly supply chain improvements that you can do on a national, sovereign basis. But from where I sit, there is a wide political threat that we face and are losing right now. One of them is to do with the energy supply, and another is the threat of AI. The quantum race will be won or lost in the next five years’ time, and that will be game-changing. It simply means that if the winner can harness the power of computing on that scale, everything’s over.”
Ellwood then invoked the technological advancements made in modern wartime, stressing that political figures must wield the mindset of those times to accelerate progress.
“I would like to see some two or three Manhattan Project equivalents, if you like, to ask, ‘How do we harness modular nuclear power?’,” he said. “That’s a very easy way to keep our lights on locally. Then, how do you harness AI? Let’s make sure it is this side of the world that wins that.
“Again, there isn’t that coordination, that sense of urgency, because it’s too far down the road,” he concluded, then highlighting that opposing forces on the world stage already have the unified capabilities that many Western nations lack. “State, industry, and academia in China, for example, are all morphed into one and that gives them huge benefits in the race for these key arenas.”
Köse elaborated on this point by highlighting Turkey’s effective coalescence of business and government.
“If you think about the private-public national defence sector in Turkey, it came from being totally dependent on the US armoury to a leading innovator of drone wars,” Köse explained. “When you think about asymmetric warfare, innovative, impactful and economic weaponry, from drones to secure soldier transportation and all of that, think about what Turkey is producing right now in technology compared to others. The headway Turkey experienced in the last decade in the defence sector is unprecedented.
“That private-public sector coalition and symbiosis has covered such a need for them in a decade that many are surprised. I think that is something that Europe has to relearn, because Europe thinks a lot about public sector dominance in an area where the private sector should actually take charge. In the US, it’s the opposite. They say, ‘keep the public sector out’. The solution lies in collaboration and bringing each sectors strength to the table while leaving out their weaknesses and flaws.
While of course not advocating for adopting the political model, he agreed with Ellwood that nations like China have an innate advantage in this race. “When you think about the way that the autocratic countries are going about it, it’s the public sector dominating the private sector environment,” he said. “That’s why they’re so hyperfocused on things and they can scale but not necessarily innovate in this sector.
“I love the government when it’s in the right place to actually do something positive and impactful. But when I’m exposed to it, I usually get anxiety issues due to the lack of pragmatism, innovation and agility. But hopefully there’s this convergence of politics, business and academia driving intelligence into critical sectors and industry, and we’re trying to drive it through this think tank here.”
The unified case for supply chain sovereignty
Exiger’s Supply Chain Sovereignty in a Fractured World event was an enlightening review of the supply chain landscape and the myriad challenges and stakeholders it encompasses.
While the panellists’ conversation in many ways highlighted the disconnect between government, business, and academia, the resonating message was one of shared pressures and goals. Where governments have pulled back on the reins of public spending, many organisations have in kind adopted a cost-optimisation mindset that may protect the bottom line but opens the door to heightened vulnerability.
Where governments must consider challenges around energy sovereignty and insulating populations against the breakdown of globalised networks – as was demonstrated upon Russia’s invasion of Ukraine in 2022 – supply chain executives must create redundancies to cover lapses and minimise potential disruptions to production and wider organisational integrity.
The guests’ final comment, that states which can marry both the public and private spheres towards shared interests, neatly encapsulates the urgency with which those worlds must reunite. While much work remains to enmesh those spheres, it is clear that the conversation is progressing at pace.
Digital DNA – Exploring core infrastructure, platform strategies, and foundational technologies.
Embedded Intelligence – AI, machine learning, data strategies, and real-time analytics.
Beyond Fintech – Partnerships between fintechs and other sectors like retail, health, and climate.
Governance 2.0 – Regulation, digital identity, privacy, and ESG compliance.
Day three featured more impactful sessions across all four pillars, offering attendees more valuable insights and strategies for innovation.
Highlights from Key Sessions at Money20/20 Europe:
How to Create and Leverage FinBank Partnerships
The discussion focused on the evolution and success of FinTech partnerships with banks. Key points included the shift from transactional partnerships to more collaborative, value-driven relationships, emphasizing joint KPIs and product creation.
Alex Johnson, Chief Payments Officer, Nium
“You really have to differentiate. You really have to stand out for a bank to say, ‘Yeah, I like what you offer enough to go through, six months of onboarding.’ Dare I say, maybe more.”
John Power, SVP, Head of JVs & AQaaS, Fiserv
“The legacy system, it’s a fact of life. They’re there. They’re pervasive. They’re going to be here for a long time, and banks historically have made huge investments in those platforms and systems. So I think both the challenge for the for the bank and the opportunity for the FinTech is, how do you at the front end of those legacy systems develop new products that can scale and that you can bring cross border easily and readily.”
“It really is cutting the line to be able to deliver opportunity for customers and to be able to expand propositions for new customers.”
“The economic development supply chains shifting to low to middle income countries are incredibly important right now, and cross border payment rails have not been good in low middle income countries.”
Where Fintech goes Next: Tapping into Platforms and Verticals
The discussion centred on the democratisation of financial services through embedded finance. The panel emphasised the importance of data quality, personalisation, and strategic partnerships in delivering seamless financial experiences – ultimately enhancing customer satisfaction and improving business efficiency.
“Embedded finance is going to be defined by region and use cases.”
Amy Loh, Chief Marketing Officer – Pipe
“Small businesses don’t want to manage their business through a bunch of different tools that are stitched together. They’re looking to platforms to do everything for them and keep high end services.”
“Most platforms or merchants out there trying to diversify revenue, and they will get auxiliary revenue, or maybe get primary revenue through FinTech activity.”
The Neobanks Strike Back
In a dynamic exploration of neobanking’s evolution, Ali Niknam revealed bunq’s remarkable journey from a tech-driven startup to a sustainably profitable digital bank. By leveraging AI across every aspect of their operations, bunq has transformed traditional banking, reducing support times to mere seconds and creating a hyper-personalised user experience. Niknam emphasised the power of user-centricity, showing how innovative features like simple stock trading and multi-language support can democratise financial services.
The bank’s strategic approach – focusing on user needs rather than investor expectations – has enabled them to expand thoughtfully, with plans to enter the UK and US markets. By embracing technological change and maintaining a relentless commitment to solving real customer problems, bunq exemplifies the next generation of banking.
Ali Niknam, Founder & CEO, bunq
“Somewhere in the 70s, we let go of the gold standard, and now currencies are basically floating. The only reason why a dollar or a euro is worth what it’s worth is because of trust and perception. Philosophically, it’s very logical that we have found another abstraction layer by introducing stablecoin, which is not much else than a byte number that has a denomination currency as a backing asset that itself doesn’t have anything as a backing asset. A lot of people might ask, ‘Why would you need a stablecoin? We have euros. I go get a coffee, pay with Apple Pay or cash.’ But there are many countries on this planet where the local currency is not stable. If your country has an inflation rate of 30,000% like Zimbabwe, you would really love to use a different currency. The US dollar has been the currency of choice, but as a normal person, you cannot access the US dollar. A US dollar stablecoin that you can access by simply having a mobile phone – that’s going to be transformational for large groups of people.”
Innovating When Regulation Can’t Keep Up: Lessons from NASA
Lisa Valencia covered an array of topics, from her 35 year career at NASA and Guinness World Record to the rise of private entities like SpaceX, which has launched 180 missions this year, and the increasing role of public-private partnerships in space exploration. The speaker also touched on international collaborations, particularly with the European Space Agency and the Italian Space Agency, and the potential for space tourism and colonization of the moon.
Lisa Valencia, Programme Manager/Electrical Engineer – Pioneering Space, LC (ex NASA)
“Back in the day, NASA got 4% of the national budget. Now it’s down to just 0.1%, so we’ve had to get creative with private partnerships. SpaceX is the perfect success story. They came to us in 2007 needing money after some rocket mishaps, and look at them now! From my balcony, I see their launches every other day. They’re planning 180 launches this year alone.Talk about a return on investment!”
“We’re planning to colonise the South Pole on the moon. The idea is to extract water and hydrogen from the regolith—both for living there and for fuel.”
Scaling Internationally in 2025: Funding, Innovating, and Breaking into New Markets
The conversation focused on the growth and strategy of fintech companies, particularly those with a strong presence in Europe and the US. The panel featured Ingo Uytdehaage, CEO and co-founder of Adyen, and Alexandre Prot, CEO of Qonto. Both leaders expressed a preference for organic growth over acquisitions, emphasizing the importance of scaling efficiently before pursuing an IPO.
Ingo Uytdehaage, CEO and co-founder of Adyen
“I think an important part of scaling a company is not just thinking about your product, but also considering the markets you want to address, and how you ensure you become local in each country.”
“We realised over time that if we really want to bring the customers, we need to have the best licenses to operate. A banking license gives you a lot of flexibility.”
“Being independent from other companies, other financial institutions, that gives you flexibility to build what your customers really want.”
“I think it’s very important, also in Europe, that we continue to be competitive. If you think about regulations and AI, we shouldn’t try to do things completely differently compared to the US.”
Alexandre Prot, CEO of Qonto
“We need to be very strict about tech integration and avoiding legacy which slows us down.”
“We still need to scale a lot before we have a successful IPO. A few team members are working on it and getting the company ready for it. But, the most important thing is just scaling efficiently in the business, and maybe an IPO would be welcome in a couple of years.”
Putting The F in Fintech
The panel discussion focused on the role of women in FinTech based on personal experiences.
Iana Dimitrova, CEO, OpenPayd
“At times, being underestimated is helpful, because if you’re seen as the competition, driving an agenda is becoming more difficult. So what I found, actually, over a period, is that bringing your emotional intelligence, leaving the ego outside of the outside of the room, and just focusing on execution is is incredibly helpful.”
Megan Cooper, CEO & Founder, Caywood
“The moment we start defining ourselves as like a female leader or a female entrepreneur, you almost kind of put yourself in a bit of a box. And so I think just seeing yourself on an equal playing field and then operating it on an equal playing field and interacting in that way is quite advantageous.”
“We can’t just want diversity and hope it happens. We actually have to be intentional about creating it.”
Valerie Kontor, Founder, Black in Fintech
“Black women make up 1.6% over the FinTech workforce, but when we look at the financial reality of black women by the age of 60, only 53% of black women have enough money in their bank account to retire. We need to start marrying people in FinTech and the people that we need to serve.”
Money20/20 Europe 2025 closed its doors but the next edition of the conference will return to Amsterdam from June 2–4, 2026, promising to continue the tradition of shaping the future of financial services…
Day two of Money20/20 Europe 2025 at RAI Amsterdam continued the momentum with a focus on digital assets, stablecoins, and…
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Day two of Money20/20 Europe 2025 at RAI Amsterdam continued the momentum with a focus on digital assets, stablecoins, and the evolving regulatory landscape. The event attracts over 8,000 attendees, including FinTech leaders, investors, and policymakers, all eager to explore the future of finance.
Money20/20 Conference Themes & Tracks
Money20/20 Europe 2025 is structured around four thematic content tracks:
Digital DNA – Exploring core infrastructure, platform strategies, and foundational technologies.
Embedded Intelligence – AI, machine learning, data strategies, and real-time analytics.
Beyond Fintech – Partnerships between fintechs and other sectors like retail, health, and climate.
Governance 2.0 – Regulation, digital identity, privacy, and ESG compliance.
Day two featured more impactful sessions across all four pillars, offering attendees further valuable insights and strategies for innovation.
Highlights from Key Sessions at Money20/20 Europe:
Digital Wallets and Co-opetition
A standout session featured industry leaders from Fluency, Curve, PayPal, and BLIK discussing the competitive yet collaborative nature of Europe’s digital wallet ecosystem. The panel delved into how traditional financial institutions and FinTech startups are navigating partnerships and competition to enhance user experiences and expand market reach.
Africa’s Fintech Innovation
Another significant discussion spotlighted Africa’s role in global fintech innovation. Representatives from 500 Global, Tech Safari, and Moniepoint highlighted how African startups are leveraging technology to drive financial inclusion and create scalable solutions that could influence global markets.
Digital Assets
A standout session featured Waqar Chaudry, Head of Digital Assets for Financing & Securities Services at Standard Chartered. In a fireside chat titled “The Digital Assets Opportunity: How Banks Can Win at Web3,” Chaudry, alongside Sygnum Bank’s Aliya Das Gupta, delved into the evolving landscape of digital assets.
Chaudry highlighted Standard Chartered’s initiatives in digital asset custody, tokenisation, and the launch of tokenised money market funds. Furthermore, he discussed the development of stablecoin solutions aimed at improving liquidity and settlement times. Chaudry underscored the importance of banks adopting robust digital asset strategies to meet growing client demands and navigate the complex regulatory environment. Drawing from his regulatory background at the Abu Dhabi Global Market, Chaudry provided a unique perspective on balancing innovation with compliance.
WealthTech Evolution
Leaders from Raisin, Upvest, and PensionBee explored the transformation of wealth management through AI and APIs. The panel emphasised the importance of personalised financial services and the integration of technology to meet the evolving needs of consumers.
Central Bank Digital Currencies (CBDCs)
A fireside chat with officials from the European Central Bank and the Bank of England provided insights into the development of the digital euro and pound. The discussion covered technical challenges, regulatory considerations, and the potential impact of CBDCs on the financial ecosystem.
Navigating the Evolving Cyber Threat Landscape
The financial services sector faces an unprecedented convergence of threats with sophisticated cyber attacks and the rise of new technologies… Recorded FutureCEO Christopher Ahlberg assessed the evolving threat landscape and strategies for building secure digital ecosytems. He was joined by In Security CEO Jane Frankland and Mastercard EVP Johan Gerber
Networking, Partnerships, and Brand Activations at Money20/20
Notable Announcements:
Money20/20 and FXC Intelligence Report: A collaborative report titled “How Will Europe’s Money Move in the Future?” was released, offering insights into the future of European cross-border payments and the impact of emerging technologies.
Policy Exchange Roundtables: Money20/20 introduced focused roundtable discussions involving central banks, regulators, and industry leaders to address critical regulatory challenges in the digital financial landscape
Day two of Money20/20 Europe 2025 underscored the dynamic interplay between traditional financial institutions and emerging FinTech innovations. Discussions on digital assets, stablecoins, and regulatory frameworks highlighted the industry’s commitment to embracing change while ensuring stability and compliance. The second day underscored the event’s role as a catalyst for innovation, collaboration, and growth within the fintech industry. As the conference progresses, stakeholders remain focused on shaping a resilient and inclusive financial future.
Money20/20 Europe 2025 opened its doors to a full-capacity audience at the RAI Convention Centre in Amsterdam. Bringing together the…
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Money20/20 Europe 2025 opened its doors to a full-capacity audience at the RAI Convention Centre in Amsterdam. Bringing together the world’s leading innovators, institutions, investors, and influencers from across the fintech and financial services spectrum. With more than 8,000 delegates from over 2,300 companies in attendance, the opening day set a high-energy, insight-rich tone for the rest of the week.
“Money Morning Live”
The day kicked off with “Money Morning Live”. A signature fast-paced keynote session hosted by Tracey Davies (President of Money20/20), Scarlett Sieber, and Zachary Anderson Pettet. The morning show served as a pulse check for the industry. Combining thought leadership with entertainment to engage both newcomers and veterans.
Rahul Patil, CTO of Stripe, delivered a keynote on AI’s role in payments infrastructure. Highlighting how machine learning is now essential for fraud detection, customer service, and onboarding. He emphasised AI should not merely be viewed as an efficiency tool, but as a strategic pillar to create personalised user experiences. And deliver scalable innovation across markets.
David Sandstrom, CMO at Klarna, reflected on the Swedish FinTech giant’s evolution, particularly its use of generative AI for customer engagement and internal operations. Sandstrom noted Klarna’s AI assistant, which now handles two-thirds of its customer queries globally, has dramatically improved both customer satisfaction and cost efficiency.
Money20/20 Conference Themes & Tracks
Money20/20 Europe 2025 is structured around four thematic content tracks:
Digital DNA – Exploring core infrastructure, platform strategies, and foundational technologies.
Embedded Intelligence – AI, machine learning, data strategies, and real-time analytics.
Beyond Fintech – Partnerships between fintechs and other sectors like retail, health, and climate.
Governance 2.0 – Regulation, digital identity, privacy, and ESG compliance.
Day one featured impactful sessions across all four pillars, offering attendees valuable insights and strategic foresight.
Highlights from Key Sessions at Money20/20 Europe:
Open Banking & Payment Rails
“Putting the Bank Back in Open Banking Payments”, saw speakers from Token.io, Santander, and BNP Paribas examine how banks are reclaiming relevance in the open banking conversation. While FinTechs initially led the charge, the panel noted banks now play a crucial role in building trusted, interoperability, and high-volume “pay by bank” solutions. The debate touched on customer adoption hurdles, PSD3’s role in shaping future APIs, and the monetisation challenges still plaguing the open banking model.
Card Issuance at Scale
In a fireside chat led by Thredd’s President Jim McCarthy, representatives from Railsr, Worldpay, Flagship Advisory, and Caxton discussed the complexities of issuing card programs globally. The group addressed fragmentation across regulatory environments. Especially in regions like LATAM and Asia-Pacific. They urged the need for programmatic flexibility, local compliance, and better BIN management. The panel agreed that the future of card issuing lies in seamless orchestration between platforms, banks, and third-party fintechs.
Agentic AI: Ready for Prime Time?
A standout session focused on the concept of Agentic AI — autonomous agents capable of completing financial tasks without manual prompts. Industry leaders from NVIDIA, bunq, and Visa debated how ready the financial services sector truly is for deploying such systems. While the technology is progressing rapidly, concerns around regulatory clarity, model interpretability, and risk frameworks remain.
NVIDIA’s Head of Financia Technology, Jochen Papenbrock, stressed the need to democratise access to compute infrastructure. And bunq’s AI evangelist, Ali El Hassouni, showcased how the challenger bank is testing semi-autonomous agents in customer support workflows. Meanwhile, Visa SVP for Products & Solutions, Mathieu Altwegg,emphasised the importance of embedding guardrails in agentic systems to ensure ethical AI practices. Especially in credit scoring and wealth advisory roles.
Scaling AI Across the Enterprise
A collaborative session featuring leaders from Stripe, Starling Bank, AWS, and Swift delved into the challenges of scaling AI initiatives beyond prototypes. The discussion spotlighted the importance of clean, real-time data pipelines, strong governance structures, and cross-functional collaboration between engineering, data science, and compliance teams.
Networking, Partnerships, and Brand Activations at Money20/20
Notable announcements:
Beyond the conference rooms, the exhibition floors buzzed with product demos, startup pitches, and impromptu huddles among VC firms, banks, and emerging FinTechs. Exhibitors such as Plaid, Adyen, Marqeta, and Fireblocks showcased new tools for embedded finance, real-time treasury management, and blockchain settlement.
Wise teased a new enterprise FX tool tailored for SMEs.
Checkout.com introduced an AI-enhanced fraud prevention dashboard.
Avalanche Foundation launched an initiative to bring blockchain-based micro-insurance products to underserved markets in Eastern Europe.
A particularly significant development emerged around stablecoins, with clear signals that regulated, bank-issued digital currencies are entering a new phase of maturity:
U.S. Megabanks Signal Joint Stablecoin Initiative Executives from JPMorgan Chase, Wells Fargo, Bank of America, and Citigroup confirmed that initial groundwork has begun on a joint U.S. dollar-denominated stablecoin, subject to the passage of the pending GENIUS Act (Guiding and Establishing National Innovation for U.S. Stablecoins). The stablecoin aims to offer faster, cheaper cross-border settlement and programmable liquidity for enterprise clients. Bank leaders emphasized that this would complement, not replace, traditional banking rails.
Ripple Expands in the UAE In a regional announcement, Zand Bank and fintech firm Mamo revealed a partnership with Ripple, using its blockchain infrastructure to enable real-time, low-cost cross-border remittances. This move, anchored in the UAE’s pro-digital asset stance, aligns with broader ambitions to make the country a hub for regulated digital currencies.
Institutional Stablecoin Custody Panels featuring speakers from Fireblocks, Anchorage Digital, and Circle addressed the evolving role of stablecoins in treasury operations and FX management. There was widespread agreement that tokenised cash equivalents, including USDC and EURC, are increasingly being used for short-term settlement and yield farming, particularly in Asia and Europe.
These discussions signalled a broader institutional acceptance of stablecoins, with an emphasis on compliance, transparency, and integration into traditional finance rather than bypassing it.
Day one of Money20/20 Europe 2025 delivered on its promise of convening the brightest minds to create the future of finance. From headline-grabbing keynotes and deep-dive panels to global product launches and off-stage networking, the conference created a rich mix of thought leadership, practical innovation, and human connection.
Whether it was the evolution of AI in banking, the future of programmable money, or the balance between innovation and regulation, the discussions revealed a clear consensus: collaboration will define the next chapter of FinTech. Day two at Money20/20 promises even more, with upcoming sessions on decentralised finance, digital identity, and CBDCs.
Security, AI, and Digital Resilience: A look inside Visions CIO + CISO
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The cybersecurity landscape has never been so fast-moving or complex. The stakes have never been higher. A worsening geopolitical reality and increasingly sophisticated cyber threats mean that the role of security leaders is more pivotal than ever as devastating cyber breaches become a matter of “when,” not “if.” It’s a time for information and skill sharing, networking, and collective action in an industry facing a more challenging future than ever.
Visions CIO + CISO Summit brings together executive security and technology leaders and experts from the largest organisations in multiple industries to network and learn from the people driving innovation in the IT and cyber spaces. This year’s event took place between April 28-30, and featured 8 tentpole sessions, over 30 presentations from key industry figures, and more than 30 speakers across the various panels, fire-side chats and peer-to-peer round tables that comprise the rest of the event. Speakers and solutions providers at this year’s event included Illumio, Threatlocker, LastPass, Claranet, Okta, Covertswarm, Intruder, and Ripjar RPC Services. Also in attendance were IT and security professionals from large scale enterprises, including Currys, Astley Digital, 24/7 Home Rescue, H&M Group, IBM, MUFG (Mitsubishi Financial Group), Federated Hermes, Deliveroo, Experian, Saint-Gobain, and Nordea GSK.
At the event, and afterwards, we were lucky enough to catch up with some of the leaders speaking at Visions and get their perspectives on key trends affecting the IT space — from the ever-relevant issue of security to AI and digital resilience.
1. What’s the general outlook for the IT and fintech sectors right now? Is this a scary time? An exciting one?
“It’s an exciting time, particularly within the UK banking sector, where we’re seeing a real shift toward customer-centric innovation. Financial institutions are working hard to deliver seamless, secure, and personalised experiences—often by leveraging cloud, AI, and advanced analytics.”
“There’s a strong emphasis on modernising legacy systems, improving digital onboarding, and enhancing fraud prevention without compromising user experience. This push for technology-driven customer satisfaction is creating space for smarter, faster, and more agile solutions—making it a great time to be contributing to the evolution of digital trust and transformation in financial services.”
2. What are some of the challenges organisations are facing that you can help them with? What problems are they asking you to solve?
“Many organisations are grappling with how to secure cloud environments at scale without slowing down innovation. Key challenges include visibility across hybrid or multi-cloud setups, managing identity and access with precision, and operationalising zero trust.”
“There’s also a strong demand for integrating security earlier in the development lifecycle—what we often refer to as shifting security left. People are asking how to reduce complexity, automate controls, and move away from reactive postures to proactive, real-time risk mitigation.”
1. What kind of outlook does an organisation like Federated Hermes have right now towards the industry? Is this a scary time? An exciting one?
2025 is shaping up to be a very dynamic year for the markets at large. There are rapid developments, from geopolitics to booming technology innovation with AI, that are impacting how the markets move as well changing the environment we operate in as a business. As a global asset manager, Federated Hermes is staying abreast of these changes to ensure we can be where the markets are, whilst maintaining efficiency in our operations for strong profitability.
2. What problems are people asking you to solve right now?
The ever changing world of cyber has historically been difficult for businesses to decipher. In the last few years, it has become even more difficult to keep up, with the advent of AI and how it is changing the technology landscape. Whilst businesses are trying to understand this new technology and embed it into their products and operations, cyber-criminal enterprises are leaping ahead in innovation and starting to leverage it in novel ways. The challenge this brings is two-fold.”
“On one hand, businesses are trying to find the right use cases for AI to get their return on investment at every level. This applies to core business functions, as well as Technology departments and the Security organisations. As cyber strategists we are now being forced to be innovators ourselves and not just passive consumers of the latest products and market trends. This brings a new perspective to how we design controls, build our roadmaps and prioritize our budget items. Boards and executive teams are looking for Security teams who are embracing AI and maximizing the effectiveness and efficiency of their programmes.”
“The second challenge is on the defensive side. The average person, as well as the average corporate employee, is lagging behind in understanding what the latest AI models are capable of, let alone understanding how they can be used to conduct cybercrime. Working in security, we find ourselves in a situation where we both need to find ways to keep up with cyber criminals to defend our enterprises, as well as keep educating our staff and management teams so that we can bring them on this journey.”
1. Would you say this is an exciting time for Astley Digital?
“Astley Digital is at a pivotal point in its journey, experiencing remarkable growth and expanding our service offerings. We’re actively exploring partnerships with innovative cybersecurity companies like ThreatLocker, enabling us to provide even more robust endpoint security solutions for our clients.”
“Additionally, the evolving landscape of cybersecurity is presenting us with unique opportunities to leverage AI for predictive threat analysis, streamline incident response, and enhance our managed security services. This moment is particularly exciting as we are positioning ourselves not just as a service provider but as a thought leader in cybersecurity strategy, risk management, and digital transformation for businesses across various sectors.”
2. What are some of the key challenges organisations are facing that you can help them with? What problems are they asking you to solve?
“Organisations today are grappling with a rapidly changing threat landscape, and one of the most significant challenges is maintaining a strong cybersecurity posture amidst evolving threats. At Astley Digital, we address critical issues such as:
“Endpoint Security: Many organisations struggle with managing endpoint security across remote and hybrid workforces. We provide comprehensive solutions that restrict unauthorised software and applications, preventing potential breaches and maintaining data integrity.”
“Third-Party Risk Management: Ensuring third-party vendors maintain security standards is another pressing concern. We work closely with our clients to assess, monitor, and mitigate third-party risks to prevent supply chain attacks.”
“Incident Response and Recovery: Companies are seeking rapid and effective incident response strategies. We offer real-time monitoring, response planning, and post-incident analysis to minimise business disruptions.”
“Regulatory Compliance: Compliance is a growing concern, especially in highly regulated industries. Our team assists with implementing frameworks that align with industry standards, ensuring data protection and reducing legal risks.”
“We are really fortunate to have reach and presence with clients across different sectors. We have professional service specialisms that respond to many of the trickiest and most important strategy and skill challenges that clients face; technology, cyber security, AI, data, and digital regulations to name a few. Not only is it a great time to be helping clients with those issues and helping them make their businesses more capable, effective, successful and resilient, from a selfish perspective it’s an incredible privilege for our people to be trusted by clients to help with these super interesting initiatives.”
2. What are some of the key challenges organisations are facing that you can help them with? What problems are they asking you to solve?
“We help clients with everything from assessing and improving their resilience positions, to complying with the intersections of a range of existing regulations, frameworks and standards, through to future gazing and thinking about what’s possible through challenging the status-quo.”
“Lately that has included a lot of work on things like AI readiness, development of use cases, working on AI explainability and the human element of potential resistance to the kinds of change that AI and other emerging tech are delivering.”
“Of course an evergreen core of our work is digital resilience, including cyber security, so we do a lot on ensuring that new technology adoptions including those with AI sprinkled throughout them, are digitally and operationally resilient by design.”
“We’re at a turning point where AI is no longer a side conversation—it’s embedded in the way Deliveroo operates. That shift brings real momentum and urgency to the work we do in securing AI adoption and protecting digital environments.”
2. What are some of the key challenges organisations are facing that you can help them with? What problems are they asking you to solve?
“The main concern is how to adopt AI without opening the door to unmanaged risk. Businesses know they can’t sit this one out, but they’re looking for help building the right guardrails to manage risk; especially with evolving regulation and the rise of AI-powered threats like deepfake vishing and advanced phishing.”
1. What are you here at Visions to discuss with your peers in the cybersecurity and IT space?
“The first panel I was part of was the Threat Detection & AI Panel Discussion. We were looking at establishing trust, mitigating risks, and safeguarding security in the age of AI. I focused on how to balance the benefits of AI with the challenges of building trust, managing risks, and ensuring security.”
“Then, I had a deep dive into looking at an age where individuals don’t verify, they just take information, no longer researching to see if the information is correct.”
“I always remain sceptical, whilst understanding the value of efficiency. AI is now embedded in so many tools, but now the main concern is the people within the organisation. Monitoring and education are essential. People will often try to find a shortcut and the easy way to go about things. Until training, governance and understanding is at a level where there can be trust, I suggest turning it off.”
1. These are challenging times for cybersecurity teams. How has 2025 been going for you and Ripjar?
“Ripjar utilises new and emerging technology to solve customer problems in cyber threat investigations and anti-financial crime compliance. We’ve been able to help organisations achieve record results – identifying connections, anomalies and potential risks, while reducing false positives and increasing true positives – leading to best-in-class results in many industries. We’re excited to be sharing that technology, alongside further innovations, with other organisations as we expand our global coverage.”
“The advent of generative AI creates vast risks and opportunities. It also shifts perspectives on existing machine learning and artificial intelligence technologies. It has been exciting to see how the newest AI can be combined with non-generative AI and other technologies to create new solutions to the problems that keep our customers awake at night.”
2. What are some of the challenges organisations are facing that you can help them with?
“Ripjar serves customers in several areas. Our anti-financial crime customers are trying to make sense of the ever-expanding business risks presented by their customers and counterparties in a tumultuous world. We’re able to help them in that journey, whether it’s responding to changing Russian or Middle East sanctions or aligning with the massive political changes that have impacted PEP (politically exposed persons) regimes all around the world.”
“Using foundational AI, we find broad risks in the media – which is often referred to as negative news or adverse media. That means reading through millions of daily news articles to identify risk signals which are important to those handling the world’s global payments or trading internationally. Agility is a key requirement for our customers, and machine learning and AI make it possible to make sense of huge quantities of structured and unstructured data quickly and accurately.”
“Our cyber customers are sophisticated threat investigators working in complex environments, including a number of MSSPs. They rely on our data fusion and investigations software to identify potential threats to their data and ultimately their businesses.”
Looking at the future
The shadows of GenAI, looming threats, and a shifting regulatory landscape loom over the global cybersecurity and IT communities, but the tone is also optimistic. While every leader we spoke to at Visions CIO + CISO acknowledged the threat posed by emerging technologies, many were also excited by the potential of GenAI tools to detect threats and help strengthen cybersecurity defenses.
Given how quickly the circumstances surrounding cybersecurity have changed in just a few short years, it’s almost impossible to predict where we’ll be by the end of the decade. However, the experts we spoke to at Visions are approaching the future with both eyes open — watchful for new risks, and determined to capitalise on new opportunities.
The next Visions CIO + CISO Summit (Autumn, UK) is taking place at the Allianz Stadium in London on 13 – 15 October, 2025. Learn more and register to attend here.
InsurTech Insights Europe 2025: A Transformational Gathering for the Future of Insurance
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InsurTech Insights Europe 2025, held on March 19-20 at the InterContinental London – the O2, reaffirmed its status as the premier conference for insurance technology professionals across the continent. Drawing more than 6,000 attendees from over 80 countries, the event brought together C-level executives, startup founders, investors, and tech leaders. They explored the evolving future of insurance powered by innovation and digital transformation.
Key Themes
With seven stages and over 400 speakers, the conference agenda was packed with compelling keynotes, forward-looking panel discussions, fireside chats, and practical workshops.
The overarching theme of the 2025 edition was crystal clear: artificial intelligence (AI) is no longer a futuristic concept, it’s the driving force behind today’s insurance innovation. Topics like automation, generative AI, claims transformation, underwriting analytics, embedded insurance, cyber security, and ESG all reflected a dynamic industry poised for rapid acceleration.
A Focus on Leadership & Diversity
One of the standout sessions was the panel discussion titled “The ROI of Gender Diversity: Breaking the Glass Ceiling for Women in Leadership”, held on the Purple Stage. Featuring high-level voices from Solera, unlock VC, and AXA XL, the panel addressed the often-overlooked yet crucial importance of gender diversity in executive roles. The discussion didn’t stop at raising awareness; it presented measurable business outcomes tied to diverse leadership and called for action to foster inclusivity across all levels of the industry.
Complementing this session was “The Women in Insurance Power Group Meet-up”, a networking event held at the Sky Bar on the 18th floor. Attendees not only connected over lunch but were also invited into an exclusive WhatsApp group, encouraging long-term collaboration and support among female leaders and allies in the space.
The Innovators Hub and the ITI Marquee: Where the Future Was Born
A major addition to this year’s conference was the debut of the ITI Marquee. A vibrant, purpose-built zone dedicated to showcasing bold ideas and startup brilliance. This space housed the Innovators Hub, which included its own dedicated Innovator’s Stage. Here, early-stage ventures and InsurTech pioneers pitched their solutions to panels of VCs, corporate innovation leads, and fellow founders.
This setting offered more than exposure, It cultivated real-time connections between startups and investors, giving many smaller players their first shot at meaningful partnerships or funding opportunities. The diversity of ideas, from AI-powered claims processors to data-driven risk models for climate insurance, reflected the industry’s hunger for next-gen solutions.
Keynote InsurTech Highlights
One of the most talked-about moments of the event came from Daniel Schreiber, CEO and Co-Founder of Lemonade, whose opening keynote explored how AI can dramatically enhance customer experience in insurance. He challenged the audience to rethink not just how insurance is sold or serviced, but why it’s offered. And how technology can transform its social impact.
Another crowd favourite was the session on “The Path to Embedded Insurance”, which unpacked how insurance products are increasingly being bundled into digital ecosystems like ecommerce platforms, mobility apps, and smart home technologies. This wasn’t just a hype piece. Real-world case studies from European neobanks and auto insurers illustrated how embedded models are already driving customer growth and retention.
Among the compelling keynotes on the Main Stage, Sofia Kyriakopoulou, a Fintech Strategy AI Champion and Group Chief Data & Analytics Officer at SCOR, revealed how GenAI innovation at one of the world’s largest reinsurers is transcending the realm of proof of concepts to become fully productive.
InsurTech Deep Dives: AI, Data & Digital Claims
Sessions throughout the week made it clear that AI is at the forefront of virtually every area of insurance operations. Whether it was applied in predictive underwriting, fraud detection, or personalised customer engagement, companies are looking to AI not just for marginal gains but foundational transformation.
A standout workshop on AI in Claims Automation included live demos from startups using computer vision and NLP to automate damage assessment. Meanwhile, a session on Data-Driven Underwriting shared how insurers are replacing traditional risk proxies with real-time data streams, from wearables to smart meters.
Cybersecurity was another hot topic, with insurers discussing how to build resilient cyber products in the face of increasing digital threats and regulatory complexity.
Global Meets Local: The Power of Diversity
Although a European event at heart, the conference had a distinctly global flair. Speakers came from the U.S., Singapore, Brazil, South Africa, and the Middle East. They brought diverse perspectives on shared challenges such as climate change, digital regulation, and consumer trust.
Simultaneously, European startups shone on stage. Companies from the UK, Nordics, DACH, and Benelux presented innovative, often niche solutions for localised market challenges—from parametric crop insurance to real-time mobility coverage.
Trade Exhibition & Brand Visibility
The exhibition floor was a hive of activity, featuring booths from established players like Munich Re, Swiss Re, Guidewire, Duck Creek, and Cognizant, alongside vibrant startup showcases. Product demos, swag giveaways, and live challenges kept engagement high and made it easy for brands to stand out.
The conference proved to be a golden opportunity for brand elevation, allowing companies to position themselves as thought leaders or rising disruptors in front of an incredibly curated audience.
InsurTech Insights Europe: The Verdict
The closing remarks from Kristoffer Lundberg, CEO of InsurTech Insights, captured the spirit of the event:
“It’s a privilege for us to gather together the sharpest minds in the industry to discuss the role of AI in insurance. The direction and impact of these technologies will shape the space for decades to come.”
Indeed, InsurTech Insights Europe 2025 wasn’t just a conference, it was a strategic gathering. A melting pot of ideas and a launchpad for the next generation of insurance products and platforms. Attendees walked away not just with new business cards, but with fresh ideas, collaborative leads, and the motivation to drive innovation within their own organisations.
As the insurance industry continues to evolve amid mounting global challenges and rapidly advancing tech, this event served as a timely and energising reminder… The future is not something to wait for—it’s something to build, together.
MoneyLIVE Summit 2025: A stellar combination of thought leadership, cutting-edge technology showcases and unparalleled networking opportunities
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The MoneyLIVE Summit 2025, held on March 10th-11th at London’s Business Design Centre, once again positioned itself as one of the most significant events in the banking and financial services industry. With over 1,500 attendees, 200+ speakers, and an agenda packed with insights on digital transformation, AI-driven innovation, and payment advancements, the event delivered a comprehensive overview of the future of financial services.
As one of Europe’s most influential FinTech and banking conferences, MoneyLIVE Summit attracted executives from leading institutions, including HSBC, Revolut, Standard Chartered, Barclays, Google, and Mastercard, providing attendees with unparalleled networking opportunities and deep dives into the latest industry developments.
The 2025 edition of MoneyLIVE Summit focused on several key themes within the financial sector, including:
AI and Automation in Banking
The Future of Payments and Open Banking
Sustainability and ESG in Finance
The Evolution of Embedded Finance
Cybersecurity and Fraud Prevention
Modernising Legacy Systems
AI and Automation: The Next Frontier
One of the most anticipated discussions centredd on Artificial Intelligence (AI) and Automation in Financial Services. Keynote speakers such as Taylan Turan (CEO, Retail Banking, HSBC) and Francesca Carlesi (CEO, Revolut UK) highlighted how AI is revolutionising customer interactions, risk assessments, and fraud detection.
A standout panel featured representatives from Google Cloud, Lloyds Banking Group, and Monzo, discussing the ethical implications of AI-driven banking and how institutions can balance efficiency with regulatory compliance. The consensus? AI is no longer a futuristic concept but an operational necessity.
On the opening day we spoke with Tim Mason, Managing Director for Artificial Intelligence at Deutsche Bank, and Publicis Sapient VP Jan-Willem Weggemans, about the rise of Agentic AI. Look out for this feature in the May edition of FinTech Strategy Magazine. Publicis Sapient also hosted an AI Champions Meet Up.
The Future of Payments and Open Banking
With open banking continuing to disrupt traditional financial models, this year’s summit included multiple sessions on its evolution. Speakers from Visa, Mastercard and Stripe explored how real-time payments and digital wallets are reshaping the customer experience.
One of the most engaging sessions was on CBDCs (Central Bank Digital Currencies) and the impact of digital currencies on global trade. Representatives from the Bank of England and the European Central Bank provided valuable insights into regulatory developments and the long-term feasibility of CBDCs in mainstream banking.
Sustainability and ESG in Finance
The financial industry’s role in Environmental, Social, and Governance (ESG) initiatives was another critical theme. With growing investor interest in sustainable finance, executives from Barclays, NatWest, and BlackRock discussed how banks can integrate ESG principles into lending and investment strategies.
A major highlight was a fireside chat with Ana Botín, Executive Chairman of Santander Group, who emphasised the need for banks to take the lead in financing climate action while maintaining profitability. She stressed that FinTech innovation must align with sustainability goals to drive real change.
Notable Speakers & Thought Leadership
MoneyLIVE Summit 2025 featured an impressive lineup of speakers, including CEOs, policymakers, and FinTech pioneers. Notable names included:
Francesca Carlesi (CEO, Revolut UK) – Discussed the role of challenger banks in redefining customer expectations.
Taylan Turan (CEO, Retail Banking, HSBC) – Spoke about how traditional banks must adapt to stay competitive in an increasingly digital world.
Saif Malik (CEO, UK, Standard Chartered Bank) – Shared insights on the rise of embedded finance and its impact on global banking.
Anne Boden (Founder, Starling Bank) – Highlighted the impact of neobanks on legacy banking institutions.
Google Cloud & AWS Representatives – Covered AI’s growing role in fraud prevention and customer engagement.
Lee McNabb (Head of Payment Strategy, NatWest) – Shared views on modernising core payment architecture for the long term.
The diversity of perspectives provided attendees with a well-rounded understanding of the industry’s challenges and opportunities in the coming years.
MoneyLIVE Networking & Attendee Experience
Networking has always been a key highlight of MoneyLIVE Summit, and the 2025 edition did not disappoint. The event provided ample opportunities for professionals to connect, with dedicated networking zones, private meeting areas, and an exclusive VIP lounge for C-level executives.
The FinTech Startup Village was a must-visit area, showcasing some of the most innovative fintech startups in Europe. Several emerging companies, specializing in AI-driven financial advisory, blockchain-based payments, and RegTech solutions, presented their groundbreaking products.
A standout initiative was the Women in Finance Roundtable, which focused on fostering greater gender diversity in leadership roles within the financial industry. Featuring influential female leaders from Citi, JPMorgan, and Monzo, the discussion encouraged actionable steps towards inclusivity and representation. Publicis Sapient also hosted a networking session on Celebrating Women in Finance.
Exhibition & Innovation Showcase
The exhibition hall was bustling with activity, featuring booths from major players like IBM, Microsoft, Accenture, and Salesforce, as well as FinTech disruptors showcasing cutting-edge solutions. Attendees had the opportunity to experience hands-on product demos, including AI-powered chatbots, biometric authentication for secure banking, and blockchain-based smart contract platforms.
One of the most talked-about innovations was Quantum Computing in Financial Services, presented by IBM. Experts explored how quantum computing could enhance complex financial modelling, risk analysis, and fraud detection, potentially transforming the industry in the next decade.
Key Takeaways & Industry Impact
MoneyLIVE Summit reaffirmed its reputation as a forward-thinking, insightful event that brings together the brightest minds in finance and technology. Some of the key takeaways included:
AI is mainstream – Banks and fintech firms must embrace AI-driven solutions to enhance customer experience and operational efficiency.
Payments are evolving rapidly – With open banking, digital wallets, and real-time payments on the rise, banks need to innovate or risk being left behind.
Cybersecurity remains a top priority – With increased digital transactions, fraud prevention and regulatory compliance are more critical than ever.
Sustainability cannot be ignored – ESG-focused financial strategies are no longer optional but a necessity for long-term growth and investor confidence.
Embedded Finance is the future – Traditional banks and fintechs must collaborate to integrate financial services seamlessly into everyday life.
MoneyLIVE: The Verdict
MoneyLIVE Summit 2025 lived up to expectations, delivering a stellar combination of thought leadership, cutting-edge technology showcases and unparalleled networking opportunities. For professionals in banking, payments, fintech, or regulatory compliance, this event provided invaluable insights into the industry’s trajectory.
The only potential downside? With so many high-quality sessions running simultaneously, attendees had to make tough choices about which discussions to prioritise. However, the availability of on-demand session recordings meant that all the key insights attendees need were available.
With an impressive lineup of speakers, a strong focus on industry trends, and excellent networking opportunities, MoneyLIVE Summit remains a must-attend event for financial professionals looking to stay ahead in an ever-evolving landscape.