Agenda

All Days
Monday, September 24
7:30 a.m.
Conference Registration & Morning Coffee
12:00 p.m. - 1:00 p.m.
Conference Lunch
1:00 p.m. - 1:05 p.m.
Chairperson’s Opening Remarks
1:05 p.m. - 1:35 p.m.
Payments On Demand: Giving Your Customers What They Want, When They Want It
1:35 p.m. - 2:20 p.m.
Hey Google, Siri, Alexa: What’s Going On With Voice Payment Technologies?
Status Update: Exploring the latest advancements of voice technologies in banking and paymentsUsing voice payments to add an additional layer of convenience for P2P transfersIdentifying security risks and the future of voice authentication in paymentsWhat’s Next: How can banks best prepare to integrate voice technologies into their payment platforms?
2:20 p.m. - 3:05 p.m.
Building Better Debit Products Through Innovation & Partnerships
This panel will aim to highlight some of the innovation taking place to create debit products that are better suited to the needs of today’s consumers. 2018 has seen a variety of partnerships designed to build next-gen debit offerings that are blurring the lines between banks, fintechs and payments systems. We’ve put together a panel of industry leaders who are changing the traditional landscape to give our attendees a glimpse into the future of debit products.
3:05 p.m. - 3:30 p.m.
Coffee & Networking Break
3:30 p.m. - 4:00 p.m.
Driving Growth
Sponsored by Ondot
Leveraging Behavioral Psychology to Spur Adoption in Digital Payments
Innovation in Payments & Blockchain Technologies
How a New Cashless Debit Network is Bringing the Starbucks Experience to the Cannabis Market
4:00 p.m. - 4:45 p.m.
Driving Growth
Sponsored by Ondot
How AI in Payments Helps Build the Ecosystem of One
Artificial intelligence is already deployed across the payments landscape but the real goal is to create an ecosystem of one. Each consumer generates enormous data from not just their transactions but the data surrounding the transaction from smartphone purchases, digital wallets, online or smartwatch. These additional data points are used by artificial intelligence to not only create better fraud detection and prevent identity theft but also present more compelling and useful marketing opportunities. Hear how AI is being deployed to create an ecosystem of one.
Innovation in Payments & Blockchain Technologies
Staying Ahead of Digital Authentication in Payments and Fintech
Where are we now and what's next? Analyzing the current and future status of identity verification in paymentsWhat is the best way of digitally confirming identity? Explore the pros and cons of digital identity verification methodsHere's how to avoid fraud, including synthetic-identity fraud
4:45 p.m. - 5:30 p.m.
Driving Growth
Sponsored by Ondot
Neo Banks 2.0: How Partnerships Between Upstarts & Traditional Banks Are Impacting Payments
5:30 p.m. - 7:00 p.m.
Opening Reception
Tuesday, September 25
7:30 a.m.
Registration Opens & Morning Coffee
8:30 a.m. - 9:00 a.m.
9:00 a.m. - 9:45 a.m.
Breakfast & Networking in the Expo Hall
9:45 a.m. - 10:30 a.m.
Building a Digital Payment Strategy That Increases Wallet Share
Cultivating the right payments experience for your customersBalancing security with the customer experienceInstilling customer trust and building loyalty through your mobile payment platformDeveloping technologies and infrastructure that can evolve with payment behaviorForecasting the path of mobile payment technology and adoption through 2022
12:00 p.m. - 12:45 p.m.
Insights & Perspectives From Industry Leaders in Debit
Traditional debit issuers in the U.S. are competing with an influx of new debit disruptors catering to the needs of younger populations. While this poses a growth challenge for traditional retail financial institutions, it also presents a host of new opportunities. So how are industry leaders finding success in the debit market?
12:45 p.m. - 1:45 p.m.
Conference Lunch
Industry Innovation Lunch Session - Planet of the APIs: Scale Payments Across Borders with Global Identity Verification
In an increasingly digital economy, a seamless, secure, almost invisible way of accurately verifying and authenticating customers online is fundamental to payments, commerce and finance. To cater to today’s mobile-first customers, the payments industry is turning to advanced API technology for flexible, scalable and global identity services to help meet AML/KYC compliance requirements, reduce fraud and increase trust and safety online.
Sponsored by
Industry Innovation Lunch Session -Know Your (Digital) Customer in the Identity Theft Era
As businesses evolve to support a complete digital experience, a challenge has emerged to one of the most basic questions of doing business: How can I truly trust I know my customer? In the world of data breaches and identity theft, legacy programs of identity proofing and authentication do not instill a high level of confidence in the end user's claims to allow establishing digital identity trust. New technologies and approaches are needed to assess the risk of digital identities that examine each user's digital patterns and can detect bad actors more accurately. Jon will provide IBM's perspective on how to manage customer trust in the Digital Age.
Sponsored by
1:45 p.m. - 2:15 p.m.
Dessert & Networking in the Expo Hall
2:15 p.m. - 2:45 p.m.
Fraud & Security: What’s Next
How API’s, 3D Secure & Biometrics Are Changing Everything
This presentation reviews Mercator’s forecast for mobile biometric authentication adoption and suggests how FIs can plan to deploy new authentication solutions today despite this upheaval in the authentication market from 3D Secure 2.0, API’s and Biometrics. It will also study how APIs have been used to enable Visa to enter the authentication market.
2:45 p.m. - 3:15 p.m.
Fraud & Security: What’s Next
Fraud Disruption: Taking the Fight to eCommerce Criminals
Innovation in Payments
Evolving Needs in Merchant Services
Merchants are facing new opportunities and challenges in payments, whether it be integrating payments more seamlessly into customers’ buying journeys, battling greater fraud complexity than ever before, or much more. How are merchants shaping their payments strategies to deal with the new model of commerce? How has the role of merchant services providers evolved in addressing these challenges for clients?
3:15 p.m. - 4:00 p.m.
Fraud & Security: What’s Next
Securing the Payment Lifecycle: In-depth Review of Emerging Risks and Mitigation Solutions
The payments industry has experienced an evolution in fraud risks. In this session, BB&T and FIS will take a closer look at recent trends and risks emerging from the time of account opening to transacting. They will share insights from a recent study that quantifies the tangible impact this shift has had on consumers and their relationships with their primary provider. This session will highlight key recommendations and opportunities to address these risks head-on to protect revenue streams and trust between issuers and cardholders.
Innovation in Payments
Conversational Payments, Digital Disruption, and the BigTech Effect
Conversational platforms are becoming the new digital banking user interface. As consumers spend more time on messaging apps, IoT devices and social media, this presents a real threat to financial institutions. BigTech firms like Google, Apple, Facebook, Amazon, and Microsoft (GAFAM) are gaining recognition as the next potential payments disruptors. Money that used to be kept in trusted, regulated deposit accounts is now scattered among prepaid cards, mobile wallets and P2P services. During this session, attendees will learn how and where payments are made via conversational platforms, what GAFAM has done in payments, and where they're heading. Come to this session and gain insight into what your financial institutions can do to compete in the new era of conversational banking and payments.
4:00 p.m. - 4:30 p.m.
Networking Break & Refreshments in the Expo Hall
4:30 p.m. - 5:00 p.m.
Fraud & Security: What’s Next
AI: The Key to Fighting Fraud and Realizing Profit
With card fraud losses worldwide reaching more than $22.8 billion in 2017, banks and card issuers must integrate fraud detection programs that adapt to ever-changing challenges in order to reduce fraud losses, increase card program profitability and improve customer satisfaction. In this session, David and Scott will take a deep dive into how artificial intelligence can achieve unprecedented success in combatting card fraud and realizing card fraud losses below one basis point.
Innovation in Payments
The Benefits of Using Blockchain and A Digital Asset for Cross-Border Payments
How and why a new payment system is using blockchain and a digital asset to modernize cross-border payments, minimize friction and reduce expenses. The discussion will describe how blockchain is used for messaging and the how XRP is used for settlement. It will address the benefits to both the transaction provider, typically a bank, and the provider’s customer, typically a corporation or a consumer. It will touch on both the commercial success of the program and real life use cases.
5:00 p.m. - 5:45 p.m.
Fraud & Security: What’s Next
Biometrics & The Future of Authentication
A study by Google found that only 47 percent of people could remember what they put down as their favorite food a year earlier – and that hackers were able to guess the food nearly 20 percent of the time (pizza). Social media profiles have become a breeding ground for oversharing information that companies use to identify their customers. Plus, recent breaches have exposed personal information and credit data for millions of American consumers. Clearly, knowledge based authentication (KBA) methods – which companies have traditionally used to confirm their customers’ identity – are losing their effectiveness. As a result, companies are moving away from relying on “what you know” (mother’s maiden name) and encouraging usage of “what you are” (biometrics like voice and fingerprint) and “what you have” (one-time time passcodes sent to your mobile device), but there are hurdles to changing consumer behavior and other potential risks.
5:45 p.m. - 7:00 p.m.
PayThink 2018 Cocktail Reception
Wednesday, September 26
8:00 a.m.
Registration & Morning Coffee in the Foyer
8:30 a.m. - 9:00 a.m.
How Banks & Fintechs Will Power the Future of Payments Transformation
9:45 a.m. - 10:30 a.m.
Breakfast & Networking in the Expo Hall
10:30 a.m. - 11:15 a.m.
What The Growth of WeChat & Alipay Means For The U.S. Payments Market
Comparing and contrasting customer behavior in the U.S. and Chinese marketsDecreasing friction points to increase merchant and consumer adoptionExploring the evolving relationship between banks and emerging payments platformsWhat to Expect by 2022: Forecasting the adoption of mobile payments in the U.S.
11:15 a.m. - 12:00 p.m.
How Is Innovation in the Payments Ecosystem Meeting Consumer Trends?
To close out PayThink 2018, representatives from four pioneering companies will discuss how innovation in the payments ecosystems is meeting consumer trends. We'll cover the ideas that are keeping customers loyal, as well as what tomorrow's customers will be looking for for in payment transactions. If you want your firm to stay relevant in the payments space, this is one discussion you won't want to miss!
12:30 p.m.
PayThink 2018 Concludes
Monday, September 24
7:30 a.m.
Conference Registration & Morning Coffee
12:00 p.m. - 1:00 p.m.
Conference Lunch
1:00 p.m. - 1:05 p.m.
Chairperson’s Opening Remarks
1:05 p.m. - 1:35 p.m.
Payments On Demand: Giving Your Customers What They Want, When They Want It
1:35 p.m. - 2:20 p.m.
Hey Google, Siri, Alexa: What’s Going On With Voice Payment Technologies?
Status Update: Exploring the latest advancements of voice technologies in banking and paymentsUsing voice payments to add an additional layer of convenience for P2P transfersIdentifying security risks and the future of voice authentication in paymentsWhat’s Next: How can banks best prepare to integrate voice technologies into their payment platforms?
2:20 p.m. - 3:05 p.m.
Building Better Debit Products Through Innovation & Partnerships
This panel will aim to highlight some of the innovation taking place to create debit products that are better suited to the needs of today’s consumers. 2018 has seen a variety of partnerships designed to build next-gen debit offerings that are blurring the lines between banks, fintechs and payments systems. We’ve put together a panel of industry leaders who are changing the traditional landscape to give our attendees a glimpse into the future of debit products.
3:05 p.m. - 3:30 p.m.
Coffee & Networking Break
3:30 p.m. - 4:00 p.m.
Driving Growth
Sponsored by Ondot
Leveraging Behavioral Psychology to Spur Adoption in Digital Payments
Innovation in Payments & Blockchain Technologies
How a New Cashless Debit Network is Bringing the Starbucks Experience to the Cannabis Market
4:00 p.m. - 4:45 p.m.
Driving Growth
Sponsored by Ondot
How AI in Payments Helps Build the Ecosystem of One
Artificial intelligence is already deployed across the payments landscape but the real goal is to create an ecosystem of one. Each consumer generates enormous data from not just their transactions but the data surrounding the transaction from smartphone purchases, digital wallets, online or smartwatch. These additional data points are used by artificial intelligence to not only create better fraud detection and prevent identity theft but also present more compelling and useful marketing opportunities. Hear how AI is being deployed to create an ecosystem of one.
Innovation in Payments & Blockchain Technologies
Staying Ahead of Digital Authentication in Payments and Fintech
Where are we now and what's next? Analyzing the current and future status of identity verification in paymentsWhat is the best way of digitally confirming identity? Explore the pros and cons of digital identity verification methodsHere's how to avoid fraud, including synthetic-identity fraud
4:45 p.m. - 5:30 p.m.
Driving Growth
Sponsored by Ondot
Neo Banks 2.0: How Partnerships Between Upstarts & Traditional Banks Are Impacting Payments
5:30 p.m. - 7:00 p.m.
Opening Reception
Tuesday, September 25
7:30 a.m.
Registration Opens & Morning Coffee
8:30 a.m. - 9:00 a.m.
9:00 a.m. - 9:45 a.m.
Breakfast & Networking in the Expo Hall
9:45 a.m. - 10:30 a.m.
Building a Digital Payment Strategy That Increases Wallet Share
Cultivating the right payments experience for your customersBalancing security with the customer experienceInstilling customer trust and building loyalty through your mobile payment platformDeveloping technologies and infrastructure that can evolve with payment behaviorForecasting the path of mobile payment technology and adoption through 2022
12:00 p.m. - 12:45 p.m.
Insights & Perspectives From Industry Leaders in Debit
Traditional debit issuers in the U.S. are competing with an influx of new debit disruptors catering to the needs of younger populations. While this poses a growth challenge for traditional retail financial institutions, it also presents a host of new opportunities. So how are industry leaders finding success in the debit market?
12:45 p.m. - 1:45 p.m.
Conference Lunch
Industry Innovation Lunch Session - Planet of the APIs: Scale Payments Across Borders with Global Identity Verification
In an increasingly digital economy, a seamless, secure, almost invisible way of accurately verifying and authenticating customers online is fundamental to payments, commerce and finance. To cater to today’s mobile-first customers, the payments industry is turning to advanced API technology for flexible, scalable and global identity services to help meet AML/KYC compliance requirements, reduce fraud and increase trust and safety online.
Sponsored by
Industry Innovation Lunch Session -Know Your (Digital) Customer in the Identity Theft Era
As businesses evolve to support a complete digital experience, a challenge has emerged to one of the most basic questions of doing business: How can I truly trust I know my customer? In the world of data breaches and identity theft, legacy programs of identity proofing and authentication do not instill a high level of confidence in the end user's claims to allow establishing digital identity trust. New technologies and approaches are needed to assess the risk of digital identities that examine each user's digital patterns and can detect bad actors more accurately. Jon will provide IBM's perspective on how to manage customer trust in the Digital Age.
Sponsored by
1:45 p.m. - 2:15 p.m.
Dessert & Networking in the Expo Hall
2:15 p.m. - 2:45 p.m.
Fraud & Security: What’s Next
How API’s, 3D Secure & Biometrics Are Changing Everything
This presentation reviews Mercator’s forecast for mobile biometric authentication adoption and suggests how FIs can plan to deploy new authentication solutions today despite this upheaval in the authentication market from 3D Secure 2.0, API’s and Biometrics. It will also study how APIs have been used to enable Visa to enter the authentication market.
2:45 p.m. - 3:15 p.m.
Fraud & Security: What’s Next
Fraud Disruption: Taking the Fight to eCommerce Criminals
Innovation in Payments
Evolving Needs in Merchant Services
Merchants are facing new opportunities and challenges in payments, whether it be integrating payments more seamlessly into customers’ buying journeys, battling greater fraud complexity than ever before, or much more. How are merchants shaping their payments strategies to deal with the new model of commerce? How has the role of merchant services providers evolved in addressing these challenges for clients?
3:15 p.m. - 4:00 p.m.
Fraud & Security: What’s Next
Securing the Payment Lifecycle: In-depth Review of Emerging Risks and Mitigation Solutions
The payments industry has experienced an evolution in fraud risks. In this session, BB&T and FIS will take a closer look at recent trends and risks emerging from the time of account opening to transacting. They will share insights from a recent study that quantifies the tangible impact this shift has had on consumers and their relationships with their primary provider. This session will highlight key recommendations and opportunities to address these risks head-on to protect revenue streams and trust between issuers and cardholders.
Innovation in Payments
Conversational Payments, Digital Disruption, and the BigTech Effect
Conversational platforms are becoming the new digital banking user interface. As consumers spend more time on messaging apps, IoT devices and social media, this presents a real threat to financial institutions. BigTech firms like Google, Apple, Facebook, Amazon, and Microsoft (GAFAM) are gaining recognition as the next potential payments disruptors. Money that used to be kept in trusted, regulated deposit accounts is now scattered among prepaid cards, mobile wallets and P2P services. During this session, attendees will learn how and where payments are made via conversational platforms, what GAFAM has done in payments, and where they're heading. Come to this session and gain insight into what your financial institutions can do to compete in the new era of conversational banking and payments.
4:00 p.m. - 4:30 p.m.
Networking Break & Refreshments in the Expo Hall
4:30 p.m. - 5:00 p.m.
Fraud & Security: What’s Next
AI: The Key to Fighting Fraud and Realizing Profit
With card fraud losses worldwide reaching more than $22.8 billion in 2017, banks and card issuers must integrate fraud detection programs that adapt to ever-changing challenges in order to reduce fraud losses, increase card program profitability and improve customer satisfaction. In this session, David and Scott will take a deep dive into how artificial intelligence can achieve unprecedented success in combatting card fraud and realizing card fraud losses below one basis point.
Innovation in Payments
The Benefits of Using Blockchain and A Digital Asset for Cross-Border Payments
How and why a new payment system is using blockchain and a digital asset to modernize cross-border payments, minimize friction and reduce expenses. The discussion will describe how blockchain is used for messaging and the how XRP is used for settlement. It will address the benefits to both the transaction provider, typically a bank, and the provider’s customer, typically a corporation or a consumer. It will touch on both the commercial success of the program and real life use cases.
5:00 p.m. - 5:45 p.m.
Fraud & Security: What’s Next
Biometrics & The Future of Authentication
A study by Google found that only 47 percent of people could remember what they put down as their favorite food a year earlier – and that hackers were able to guess the food nearly 20 percent of the time (pizza). Social media profiles have become a breeding ground for oversharing information that companies use to identify their customers. Plus, recent breaches have exposed personal information and credit data for millions of American consumers. Clearly, knowledge based authentication (KBA) methods – which companies have traditionally used to confirm their customers’ identity – are losing their effectiveness. As a result, companies are moving away from relying on “what you know” (mother’s maiden name) and encouraging usage of “what you are” (biometrics like voice and fingerprint) and “what you have” (one-time time passcodes sent to your mobile device), but there are hurdles to changing consumer behavior and other potential risks.
5:45 p.m. - 7:00 p.m.
PayThink 2018 Cocktail Reception
Wednesday, September 26
8:00 a.m.
Registration & Morning Coffee in the Foyer
8:30 a.m. - 9:00 a.m.
How Banks & Fintechs Will Power the Future of Payments Transformation
9:45 a.m. - 10:30 a.m.
Breakfast & Networking in the Expo Hall
10:30 a.m. - 11:15 a.m.
What The Growth of WeChat & Alipay Means For The U.S. Payments Market
Comparing and contrasting customer behavior in the U.S. and Chinese marketsDecreasing friction points to increase merchant and consumer adoptionExploring the evolving relationship between banks and emerging payments platformsWhat to Expect by 2022: Forecasting the adoption of mobile payments in the U.S.
11:15 a.m. - 12:00 p.m.
How Is Innovation in the Payments Ecosystem Meeting Consumer Trends?
To close out PayThink 2018, representatives from four pioneering companies will discuss how innovation in the payments ecosystems is meeting consumer trends. We'll cover the ideas that are keeping customers loyal, as well as what tomorrow's customers will be looking for for in payment transactions. If you want your firm to stay relevant in the payments space, this is one discussion you won't want to miss!
12:30 p.m.
PayThink 2018 Concludes