As the payments industry becomes more and more specialised, further opportunities for women are opening up in various areas such as technology, Open Banking, ESG or regulation. How can banks, consultancies and payment service providers achieve gender parity, diversity and inclusion? In which ways can the industry include more women in decision-making roles? What is the role of mentors and sponsors? These and other questions will be at the core of this EBAday lunchtime session.

Tokenised money is on the horizon in numerous countries. What are the benefits and risks of programmability? How likely is the risk of market fragmentation through multiple offerings, both private and public, chasing after the same use cases?

Artificial intelligence and cloud computing are rapidly changing the way PSPs operate. How can PSPs deliver secure and reliable services while offering tailor-made payments to their customers?

What remain the main challenges for banks in the adoption of instant payments? Which fraud-fighting solutions are there? Which role does confirmation of payee play?

FIs need to transform their entire business and operating model to achieve bespoke and modular digital solutions while improving their profitability. How can open banking and embedded finance help with this goal? Which hurdles remain?

A plethora of new EU regulations and directives are on the horizon: how can these be turned into an advantage for the payment business? What are the regulatory trends to watch? Can innovation derive from something other than a regulatory impetus?

The cloud has played a big part in the ongoing digital transformation in banking and payments. What is the best strategy for banks to streamline their operations, increase scale and improve time to market? Is payments-as-a-service a viable model to consider?

How are inflation, high interest rates and elevated geopolitical uncertainty impacting today’s liquidity management ecosystem? How are banks adapting their business models and balance sheets? How are corporates responding to these challenges?

Which impact can the cross-currency payment scheme have on European PSPs? How can they best reap its benefits? By when can we expect reciprocity on the non-euro leg? Which new services could be built upon OCT Inst?