Speakers
Objectives
The retail payment landscape in Europe is entering a decisive phase of transformation. Technological advances, consumer demand for seamless and secure solutions, and the acceleration of EU regulatory initiatives are reshaping how payments are made and processed. Instant payments, mobile wallets, tokenisation, and the prospect of a digital euro are redefining the user experience while raising new challenges for fraud prevention, market integration, and inclusiveness. At the same time, Europe seeks to strengthen its strategic autonomy and reduce reliance on non-European players, without stifling private-sector innovation.This session will explore how innovation, regulation, and market dynamics can converge to deliver secure, inclusive, and competitive retail payments in Europe.
Points of discussion
- What are the most impactful innovations in retail payments (e.g. instant payments, tokenisation, mobile wallets), and how are they improving the user experience while addressing fraud and security risks?
- How can adoption be broadened, particularly among less digitally skilled consumers?
- How can EU-led initiatives such as the digital euro, EPI, tokenisation frameworks, and digital identity wallets be better aligned to foster cross-border integration?
- What scale, trust, and interoperability conditions are necessary for European solutions to compete with global players?
- What regulatory actions are most urgent to combat fraud, support innovation, and ensure fair competition between banks, FinTechs, and Big Tech providers?
- How can Europe strike the right balance between fostering innovation, protecting consumers, and preserving freedom of payment choice?