Speakers
Public Authorities
Anti-Money Laundering Authority (AMLA)
Industry Speaker - Head of Personal Banking
Bank of Lithuania
Public authority speaker - Chief Officer Supervision
Danish Financial Supervisory Authority (Finanstilsynet)
Public authority speaker - Deputy Director General
Malta Financial Services Authority (MFSA)
Public authority speaker - Director, FinTech, Crypto, Crowdfunding and Payments Division
Nordea Bank AB
Industry Speaker - International Payments Policy Lead Government Relations
PayPal
Industry Speaker - Global Regulatory Compliance & Enterprise Risk Lead
ROOM 2
Chair - Governor & Chairman of the Board Governing Council, ECB
Stripe
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Objectives
theft and AML prevention in the digital age: experiences and way forward
Points of discussion
- Digitalisation has transformed finance but also multiplied fraud risks—from APP scams and identity theft to deepfake-enabled deception and fraud in digital mortgages and lending.
- Instant payments, open banking, and digital wallets increase speed and efficiency but expose consumers and firms to more sophisticated, cross-border attacks.
- While PSD3/PSR, eIDAS 2.0, and the Instant Payments Regulation aim to strengthen prevention and liability rules, major challenges remain: fragmented consumer protection, siloed fraud intelligence, uneven technological capabilities, and data-sharing constraints.
- This session will draw on supervisory and industry experiences to assess how frameworks, technology, and cooperation can better protect consumers and markets, ensuring resilience and trust in the digital age.