Faster payments are only part of the story. The next challenge is to build trust, improve decision-making and create more value for consumers, merchants and financial institutions with every transaction.

From always-on payment rails and increasingly sophisticated fraud to AI-enabled customer journeys and the rise of agentic commerce, the transaction itself is becoming a strategic moment of truth. How can the ecosystem deliver frictionless experiences without weakening controls? Where can AI genuinely improve decisions, operations and merchant outcomes? And how can payments innovation create sustainable growth while extending confidence and access to more people?

This interactive workshop will bring together practitioners to pressure-test the trade-offs shaping the next transaction. Participants will examine practical choices across trust, customer experience, merchant economics and AI adoption, and identify which innovations are ready to scale, and which still need to earn the right to do so.