• 70,000+ Participants
  • 142 Countries & Regions
  • 840 Central Banks, Regulatory Institutions & Government Organisations
  • 20,000+ SFF MeetUp Meetings
  • 600+ Sponsors & Exhibitors
  • 940+ Speakers
  • 300 Sessions

How merchants grow, convert, protect and adapt is changing

The Merchant Agenda brings the merchant perspective into the conversation, exploring what changes in payments, platforms, regulation and AI mean for the business.

Why it matters?

A woven rope figure paying at a market stall, its cables running out to a long row of machines

The customer sees one checkout

Pay Done

The merchant sees the entire payment stack

Accept Acquire Settle FX Reconcile Comply Manage risk

Each link has its own providers, costs and rules, and most are changing at once. The Merchant Agenda explores what is changing, at what cost, and what other merchants are doing about it.

The Merchant Experience Zone

Rendering of the Merchant Experience and Visitor Lounge at Singapore FinTech Festival 2026, with partner stands and a small stage

Don’t just hear about the future of commerce. Experience it.

  • Discover

    Explore new payment, commerce and technology ideas

  • Connect

    Meet other merchants and the people shaping the ecosystem

  • Showcase

    Hear from merchants and industry leaders on the Merchant Stage. Short conversations, launches, demonstrations and ideas worth seeing

Why attend

A woven rope figure on a street of shops, holding a braid of coloured cords
  • Hear from peers

    How other merchants are tackling similar challenges

  • Get the industry perspective

    What is changing and what it means for business

  • Shape the agenda

    Bring the problems you want the ecosystem to solve

  • Experience what’s next

    See ideas and technologies in action

Who you will meet

Merchants have already registered for 2026, including

TikTok · Grab · Uber · Trip.com · Traveloka · Mercedes-Benz · Shopify · Rakuten · Blibli · Gojek · foodpanda · Kuaishou · Wix · SEAGM · UniPin · Eneba · HeyMax · ANA · Japan Airlines · AirAsia · Changi Airport Group · Scoot · Priority Pass · Hilton · Resorts World Sentosa · Solaire Resort · St. Regis Singapore · Far East Hospitality · Pan Pacific Hotels · Millennium Hotels · Furama Hotels · Dorsett Hospitality · FairPrice Group · Sheng Siong · Ranch Market · Prime Supermarket · Watsons · Decathlon · Erajaya · Kanmo Group · Al-Futtaim · Reliance Retail · Schwarz Group (Lidl, Kaufland) · Luxasia · Caltex · Siloam Hospitals · AEON Entertainment · Onitsuka Tiger · VinFast · Oura · Lenovo · Dell · Fujifilm · Energizer · Taiwan Mobile · Pernod Ricard · Peroni · Tolaram · The Coffee Bean & Tea Leaf · KOI Thé · Les Amis · Zouk · Timbre

On the agenda

  • The SEA payment growth playbook

    How do you win more customers when cards aren’t enough?

  • The customer can pay. So why can’t you move the money?

    What does it really take to operate across markets?

  • Cash, cards or alternative payment methods

    Which payment methods actually win customers, and which are just another integration?

  • Can you grow globally without building a compliance machine?

    What should merchants have to build, licence and manage in every market?

  • Do I really need five PSPs?

    When does resilience become complexity?

  • When fraud protection costs you the sale

    How do merchants fight fraud without adding friction?

  • Agentic commerce: who gets to say “yes”?

    How do you verify intent when AI starts buying for the customer?

The Merchant Stage

A woven rope figure at a merchant stall

A preview of sessions

  • Beyond Checkout: How Payment Policy Shapes International Expansion

    Hear from experts from Airwallex, Google, Amazon, 2C2P by Antom and more.

Merchant Agenda

Tuesday 17 November

  • 1:30–1:50pmTue 17 NovMerchant AgendaInsights2040 Annual Meetings @ MBS L5Invite-Only

    Others

    The SEA Payment Growth Playbook - Powered by 2C2P by Antom

    Merchant AgendaInsights2040 Annual Meetings @ MBS L5Invite-Only

    About this session

    Many merchants are already operating across Southeast Asia. The next challenge is not entering the market, but growing within it. This conversation explores how merchants decide which local payment methods, wallets, QR and account-to-account rails are actually worth supporting — and what payment localisation really does for customer acquisition and conversion.

    - Which payment methods actually move conversion?
    - Cards vs wallets vs QR vs A2A
    - How much localisation is enough?
    - National switches and domestic rails
    - Pay-in vs pay-out considerations
    - Cost/complexity of adding another payment method
    - What merchants should prioritise in their next growth market

  • 1:50–2:10pmTue 17 NovMerchant AgendaInsights2040 Annual Meetings @ MBS L5Invite-Only

    Others

    When AI Agents Take Action: From Shopping to Business Finance - Powered by Airwallex

    Merchant AgendaInsights2040 Annual Meetings @ MBS L5Invite-Only

    About this session

    As AI agents begin to make purchases on customers' behalf, merchants face new questions: how can they verify that a purchase is authorised, manage fraud and disputes, and reduce false declines? Within the business, using agents to manage money raises similar questions about access, permissions and accountability.

    This discussion examines both sides, exploring what merchants should check about customer consent, the payment credential, transaction controls and human oversight before enabling agents to transact with customers or act on business finances. 

  • 2:30–2:50pmTue 17 NovMerchant AgendaInsights2040 Annual Meetings @ MBS L5Invite-Only

Wednesday 18 November

  • 1:00–1:30pmWed 18 NovMerchant AgendaMerchant Experience Zone (Hall 6)Open

  • 3:00–3:30pmWed 18 NovMerchant AgendaMerchant Experience Zone (Hall 6)Open

    Others

    AI Agents in Action: From Shopping to Managing Money - Powered by Airwallex

    Merchant AgendaMerchant Experience Zone (Hall 6)Open

    About this session

    What happens when a customer sends an AI agent to shop, and what should a merchant check about the payment flow? What changes when a business uses an agent to manage its own money? This 30-minute demonstration walks through both scenarios using Airwallex's Airi and Agentic Business Accounts.

    It examines how a customer authorises a purchase, how a scoped payment credential reaches the merchant's existing checkout without a new merchant integration, and how a finance agent accesses account information and requests or carries out actions. Merchants will learn what to ask about integration, visibility, fraud and dispute handling, approval controls and human oversight.

  • 4:15–5:30pmWed 18 NovMerchant AgendaMerchant Experience Zone (Hall 6)Invite-Only

    Others

    Merchant Connect: Networking Drinks

    Merchant AgendaMerchant Experience Zone (Hall 6)Invite-Only

    About this session

    *Priority access for merchants with an M tag*
    Join fellow merchants for networking over drinks at Merchant Zone Stage

Thursday 19 November

  • 4:15–5:30pmThu 19 NovMerchant AgendaMerchant Experience Zone (Hall 6)Invite-Only

    Others

    Merchant Connect: Networking Drinks

    Merchant AgendaMerchant Experience Zone (Hall 6)Invite-Only

    About this session

    *Priority access for merchants with an M tag*
    Join fellow merchants for networking over drinks at Merchant Zone Stage

SFF week for merchant pass holders

Mon16Nov
Tue17Nov
Wed18Nov
Thu19Nov
Fri20Nov

Insights2040 Annual Meetings

Mon 16 – Tue 17 November · Sands Expo & Convention Centre, L5

Tue 17 Nov

C-Suite Boardroom

Closed-door lunch, invite-only, Chatham House rule*

Tue 17 Nov

Spotlight Sessions

90-mins, merchant-first, problem-led dialogue*

Access to the wider invite-only Insights2040 Annual Meetings Programme, F&B included
*For senior merchant leaders only

Singapore FinTech Festival 2026

Wed 18 – Fri 20 November · Singapore EXPO, Halls 1–6

Wed 18 – Fri 20 Nov

Merchant Experience Zone

Merchant activations · Live experiences and demonstrations · Showcases and launches

Singapore EXPO, Hall 6

Wed 18 – Fri 20 Nov

Merchant Stage

Sessions on how merchants are navigating the changes in payments, platforms and AI

Singapore EXPO, Hall 6

Wed 18 – Fri 20 Nov

Merchant Happy Hour

Daily exclusive merchants networking happy hour

4:30pm–5:30pm, Hall 6, Singapore EXPO

Access to the all SFF premium stage content, and exhibition. F&B, SFF Meetup and SFF Afterhours not included

Help shape the Merchant Experience

Take our two-question poll on what you'd like to see and the challenges you face.

What would you most like to see in the Merchant Experience Programme?

Select all that apply.

What is the biggest challenge you feel remains unsolved for merchants today?

Select up to 3 options.

More about the Singapore FinTech Festival

The Singapore FinTech Festival is a global nexus where policy, finance, and technology communities converge. Designed to foster impactful connections and collaborations, SFF is a platform to explore the intersections of cutting-edge financial solutions, evolving regulatory landscapes, and the latest technological innovations, from more than 600 exhibitors across 6 halls.

Through insightful sessions, roundtables, workshops, exhibitions and much more, SFF is an immersive discovery and dialogue of the future trajectories of financial services and the overarching digital transformation reshaping global economies.

Last year, we welcomed more than 70,000 participants from 142 countries.

Frequently Asked Questions

Who can apply for a Merchant Pass?

Verified merchants: businesses that sell their own goods or services to their own customers, across retail, F&B, travel, marketplaces and platforms. Within those businesses the pass is for the people who own or influence payments, commerce, treasury, risk or technology. Payment providers, fintechs, consultancies and agencies are not eligible.

How much does the Merchant Pass cost?

It is complimentary, and for verified merchants only. Merchants will be notified of their pass status within a 3 working days of their application.

Approved merchants can also upgrade to the full Delegate experience for SGD 750, which is 50% off the standard SGD 1,500 Delegate rate. The upgrade adds SFF MeetUp, 3 days of F&B, and SFF Afterhours at Clarke Quay, on 18 Nov.

What does the pass give me access to?

  • Insights2040 Annual Meetings 16–17 Nov, Marina Bay Sands: the invitation-only programme, with F&B included *For senior merchant leaders only
  • Singapore FinTech Festival 18–20, Singapore Expo: all premium stage content, livestreaming and the exhibition
  • Not included: SFF MeetUp, F&B at Singapore Expo, and SFF Afterhours. All three come with the Delegate upgrade at SGD 750 which is 50% off the full rate of SGD 1,500.

Is the C-suite boardroom included?

It is not included, the merchant boardroom lunch at the Insights2040 Annual Meetings is closed-door and invitation only, under Chatham House rules, and limited to C-suite and senior leaders. It is a separate invitation from the Merchant Pass.

Do I need to verify my role?

Yes, a LinkedIn profile is required with every application.

Do I need a separate pass for the Insights2040 Annual Meetings, and SFF, where do I collect them?

Yes, the Insights2040 Annual Meetings and the Singapore FinTech Festival issue separate passes. Both can be collected at the Sands Expo & Convention Centre, including the festival pass you will use at Singapore Expo. You may also choose to pick up for Festival pass at the Singapore Expo.

Can I upgrade my merchant pass to full Delegate access?

Yes. Upon approval, merchants can upgrade to full Delegate access that includes SFF Meetup, 3 days o F&B and SFF Afterhours at Clarke Quay on 16 Nov, for SGD 750, which is 50% off the standard Delegate rate, you may log in to your account to modify your registration

Apply to join the merchant experience

Complimentary for Verified Merchants

Strategic Partners