Payments are becoming faster and cheaper, but where will the industry make money next? This panel looks at where new revenue pools are emerging across the payments value chain — from data and embedded services to cross-border flows and new forms of money — and which business models can capture them from 2027 onwards.

AI is changing software testing, but can financial institutions trust what it generates? Using a live demonstration of AI-assisted test generation, human review and automated execution, this session explores how to accelerate banking QA while managing errors, coverage gaps and accountability. Attendees will learn practical controls for adopting AI in critical financial systems.

Money can now move in seconds, but settlement between banks still keeps office hours. Behind every instant payment, banks pre-fund accounts around the world, work to cut-off times and business-day calendars, and hold costly buffers for the hours when markets are closed. As commerce, trading and tokenised assets run around the clock, the way money settles between banks will need to do the same.

Drawing on the LSEG Digital Settlement House (DiSH) and Partior partnership, this session brings together a market infrastructure provider, global banks, an interbank settlement network and an industry adviser to explain what always-on interbank settlement is, and what it changes:
- From instant payments to instant settlement: What is the difference, and why does it matter when money crosses banks, currencies and time zones?
- What changes for banks: How does settling in real time, at any hour, reduce the liquidity banks must lock up in advance, and what does that free up?
- What changes for corporates, fintechs and payment providers: What could always-on settlement mean for treasury, cross-border payments, and the cost and speed of moving money?
- What it will take: Which operating, risk and regulatory questions must be answered before this becomes everyday infrastructure?

Attendees will leave with a practical picture of what is live today, what is still being tested, and how always-on settlement could change the way they move money.

This is presented by:
- Bud Novin, Head of DiSH, LSEG Post Trade Solutions
- Rachel Whelan, Global Head of Payments & Transactional FX Product Management, Managing Director, Deutsche Bank
- Mark Willis, Managing Director, Head of Emerging Payments
- Shirish Wadivkar, Chief of Payments, Partior
- Anton Ruddenklau, Global Head of Innovation and Fintech, Financial Services, KPMG

Location: Level 2, Garnet 215