History shows how breakthrough scientific discoveries can reshape the world. From Edgar F. Codd’s relational databases and Tim Berners-Lee’s World Wide Web to Mark Weiser’s vision of ubiquitous computing, pioneering technology research has transformed industries, economies and everyday life. Today, Artificial Intelligence presents a similarly transformative opportunity. A new generation of scientist-entrepreneurs in AI has the potential to translate frontier research into breakthrough technologies, products and ventures that redefine industries and address humanity’s greatest challenges. Their journey is not simply about commercialising discoveries, but about turning bold scientific ideas (developed through years of research) into innovations driving deep tech enterprises. The challenge is to create a sustainable pathway for academic innovations and scientist entrepreneurs to cross the bridge from science to enterprise seamlessly.

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.

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
- Shirish Wadivkar, Chief of Payments, Partior
- Anton Ruddenklau, Global Head of Innovation and Fintech, Financial Services, KPMG

Location: Level 2, Garnet 215