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      • 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?

      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.

      • 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

      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

      Your peers have attended

      Amazon · Alibaba · Shopee · Lazada · Shein · Tokopedia · Bukalapak · Zalora · Carousell · Trendyol · NetEase Games · ShopBack · Singapore Airlines · Scoot · KrisShop · Cebu Pacific · Thai Airways · Bangkok Airways · Vietjet · AirAsia MOVE · Agoda · Traveloka · Klook · Trip.com · Expedia · Changi Airport Group · Marina Bay Sands · Resorts World Sentosa · Shangri-La Group · Hilton · Marriott · Accor · Pan Pacific Hotels · Far East Hospitality · Mount Faber Leisure Group · FairPrice Group · Sheng Siong · DFI Retail Group · 7-Eleven · Watsons · IKEA · Decathlon · Charles & Keith · Al-Futtaim · Lenskart · Electrolux · Sony · Luckin Coffee · McDonald’s · Domino’s Pizza · foodpanda · Dole · Netflix · Razer · CapitaLand

      Join the merchant experience

      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 Experience Zone

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

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

        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

      The Merchant Stage 

      the merchant zone

      Discover these Sessions at the Merchant Stage


      • Beyond Checkout: How Payment Policy Shapes International Expansion 

      Hear from experts from Airwallex, Google, Amazon, 2c2p, and more.

      The Merchant Experience Programme

      • 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

        • Access to the wider invite-only Insights2040 Annual Meetings Programme, F&B included
      • Tue 17 Nov

        Spotlight Sessions

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

      • Singapore FinTech Festival 2026 Wed 18 – Fri 20 November Singapore EXPO, Halls 1–6

      • Merchant Experience Zone

        Merchant activations · Live experiences and demonstrations · Showcases and launches
        Singapore EXPO, Hall 6

      • Merchant Stage

        Sessions on how merchants are navigating the changes in payments, platforms and AI
        Singapore EXPO, Hall 6

      • 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

      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
      • 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 Agenda

      Apply to attend