2026 AGENDA
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AI is moving beyond back end functions and into the product itself, shaping decisions, journeys, and outcomes in real time. This session explores what happens when banks stop layering AI onto old models and start redesigning products around agent-led interaction, accountability, and trust.
MiCA gives Europe a clearer framework for digital asset activity, but clarity alone does not guarantee advantage. This session looks at whether firms can turn regulatory certainty into stronger products, better infrastructure, and a more durable competitive position.
Account-to-account payments have long been framed as the next big shift in commerce, yet mass adoption still looks patchy. This session examines what it will actually take for A2A to scale and which players stand to control the customer relationship if it does.
Fintech Meetup's Startup Pitch competition, in partnership with Commerce Ventures, is our search to find the next greatest, most innovative, and game-changing fintechs. In this session, the first group of six early-stage startups will showcase their innovative technologies addressing pivotal challenges in fintech. Each participant will have six minutes to deliver their pitch and answer the judges' questions. The judges will then evaluate the pitches, and the winning startup will progress to the Startup Pitch Finale on the Main Stage.
Forget flashy fintech logos. Europe's resilient digital banks have built a profitable blueprint. Discover the strategic clarity, operational excellence, high yield lending, and premium ecosystems required to engineer a sustainable financial powerhouse built to last.
Europe has built strong payments infrastructure, but businesses still face fragmentation across schemes, regulation, and local market behaviour. This session asks what has to change for Europe to operate more like a true single market in payments.
Banks are becoming more selective about buying from fintechs and more willing to build capabilities internally. This session explores what that shift means for fintech business models, partnership strategy, and long-term positioning in the market.
Fintech Meetup's Startup Pitch competition, in partnership with Commerce Ventures, is our search to find the next greatest, most innovative, and game-changing fintechs. In this session, the first group of six early-stage startups will showcase their innovative technologies addressing pivotal challenges in fintech. Each participant will have six minutes to deliver their pitch and answer the judges' questions. The judges will then evaluate the pitches, and the winning startup will progress to the Startup Pitch Finale on the Main Stage.
Meeting 1: 10:45-11:00
Meeting 2: 11:03-11:18
Meeting 3: 11:21-11:36
Meeting 4: 11:39-11:54
Meeting 5: 11:57–12:12
Meeting 6: 12:15-12:30 Networking Europe/London
(6 x 15 minute slots with 3 minute breaks)
Meeting 1: 10:45-11:00
Meeting 2: 11:03-11:18
Meeting 3: 11:21-11:36
Meeting 4: 11:39-11:54
Meeting 5: 11:57–12:12
Meeting 6: 12:15-12:30
Make Europe Great Again? We joke but since European banking operates under some of the deepest and most demanding regulatory conditions in the world, this session explores whether banks can turn that depth into trust, defensibility, and strategic strength rather than treating it purely as drag.
Track 3: Commerce & Fintech Europe/London
The lending ecosystem is transforming. This session explores how organisations are adapting their business models and leveraging new technology to deliver credit across Europe’s evolving market
AI may lower the barriers to building products, but it may also strengthen incumbents with scale, data, and distribution. This session asks whether AI is opening the market for new entrants or making it even harder for them to survive.
Payments firms face constant pressure on margins, while AI promises smarter routing, lower servicing costs, and better operational efficiency. This session examines where AI can genuinely improve the economics and where the value is still more story than substance.
Explore the evolution of labour in this fireside chat with Zopa Bank. We'll discuss whether AI and automation will replace roles or reshape them to build a future-ready workforce.
For all the talk of European scale, banking still runs into national friction around licensing, operations, customer behaviour, and regulation. This session examines what it would take to build banks that scale across borders without losing clarity, control, or momentum.
New payments ideas are easy to launch into the market, but much harder to sustain once enterprise clients, compliance demands, and operational complexity arrive. This session explores what still holds up when innovation has to perform at serious scale.
Scams, impersonation, and social engineering are reshaping how trust breaks down between firms and customers. This session looks at what fintechs can do to protect users, respond faster, and rebuild trust when fraud is becoming more personal and more convincing.
Seed still attracts attention and breakout winners still command capital, but many startups in the middle are finding the funding path much harder than expected. This session explores whether venture has pulled back from the middle and what that means for promising firms caught between traction and scale.
Premium banking can no longer rely on status, packaging, or legacy service assumptions alone. This session explores how banks are redefining value for higher-end customers through better experiences, sharper propositions, and more relevant financial relationships.
Fintech's AI hype is meeting its GDPR moment. As the EU AI Act mandates compliance built into design for high-risk credit and fraud models, will these new rules pop the bubble or finally make AI bankable?
Open Banking was only the start. Now, Europe’s FiDA rules will turn the industry inside out by unlocking insurance and pension data. Will the industry be worn out? We discuss how firms can handle this wild transition and stay competitive.
Forget pure venture rounds. Discover how growth-stage fintechs blend corporate equity and non-dilutive debt to engineer resilient, cross-border balance sheets capable of accelerating through market pressure.
Fraud is becoming harder, faster and more automated so to detect it using legacy tools and manual controls is becoming near impossible. This session explores how banks are rethinking detection, intervention, and customer protection when the threat now moves at machine speed.
As payment data becomes richer and more standardised, the value in enterprise payments may shift toward whoever can interpret and operationalise that information best. This session asks whether ISO 20022 changes who really owns the client relationship.
The Agentic Atelier explores the shift from human browsing to autonomous commerce. Discover how payment gateways authenticate AI agents executing seamless, end-to-end purchasing journeys across an independent, sovereign European marketplace.
Europe’s regulatory structure can create trust and clear standards, but it can also slow entry and increase costs for younger firms. This session asks whether regulation ultimately protects startups from chaos or blocks them from real growth.
(6 x 15 minute slots with 3 minute breaks)
Meeting 1: 10:20–10:35
Meeting 2: 10:38–10:53
Meeting 3: 10:56–11:11
Meeting 4: 11:14–11:29
Meeting 5: 11:32–11:47
Meeting 6: 11:50–12:05 Networking Europe/London
Meetup
(6 x 15 minute slots with 3 minute breaks)
Meeting 1: 10:20–10:35
Meeting 2: 10:38–10:53
Meeting 3: 10:56–11:11
Meeting 4: 11:14–11:29
Meeting 5: 11:32–11:47
Meeting 6: 11:50–12:05
Banks face constant pressure to keep innovating, even as complexity, regulation, and operational risk continue to rise. This session will be a forum exploring how institutions decide what to pursue, what to ignore, and how to manage innovation without drifting into instability.
Stablecoins are no longer just a policy talking point or experimental product theme. This session explores how firms should think about timing, use cases, and strategic positioning as stablecoins move closer to mainstream European infrastructure relevance.
Licensing still determines who can expand, where they can operate, and how quickly they can move. This session looks at how fintechs navigate Europe’s licensing reality without getting trapped in endless complexity.
As consolidation becomes an increasingly hot topic in European banking, where does that leave mid-sized European Banks? What are the challenges facing them, what are the opportunities presented and ultimately what's the play book to scale in this market?
When connectivity is a commodity, what will the dominant payment platforms of the future actually look like? This session explores bypassing legacy bottlenecks to reach billions of endpoints instantly via a frictionless, direct-to-wallet global network.
When product features become easier to copy and customer expectations rise fast, real differentiation becomes harder to see and harder to sustain. This session explores what still makes a fintech product matter when novelty alone is no longer enough.
(5 x 13 minute slots with 3 minute breaks)
Meeting 1: 14:50–15:05
Meeting 2: 15:08–15:23
Meeting 3: 15:26–15:41
Meeting 4: 15:44–15:59
Meeting 5: 16:02–16:17
Meeting 6: 16:20–16:35 Networking Europe/London
Meetup
(5 x 13 minute slots with 3 minute breaks)
Meeting 1: 14:50–15:05
Meeting 2: 15:08–15:23
Meeting 3: 15:26–15:41
Meeting 4: 15:44–15:59
Meeting 5: 16:02–16:17
Meeting 6: 16:20–16:35
(6 x 15 minute slots with 3 minute breaks)
Meeting 1: 10:20–10:35
Meeting 2: 10:38–10:53
Meeting 3: 10:56–11:11
Meeting 4: 11:14–11:29
Meeting 5: 11:32–11:47
Meeting 6: 11:50–12:05 Networking Europe/London
Meetup
(6 x 15 minute slots with 3 minute breaks)
Meeting 1: 10:20–10:35
Meeting 2: 10:38–10:53
Meeting 3: 10:56–11:11
Meeting 4: 11:14–11:29
Meeting 5: 11:32–11:47
Meeting 6: 11:50–12:05
Emulating the great pivots of the tech world, global banks are shedding legacy constraints to operate at startup speeds. Discover how financial titans are reinventing their DNA to become the world’s most powerful fintech engines.
Stablecoins may improve liquidity movement and settlement efficiency, but they can also introduce fresh funding, operational, and policy risks. This session asks how firms can use them without importing a new layer of fragility.
Beyond price and speed, what defines the new merchant royalty? Discover the blueprint for digital dominance by mastering the intersection of velocity and loyalty to build high-value, long-term partnerships that outlast the competition.
Europe offers talent, customers, and technical capability, but fragmentation still makes scale harder than founders often expect. This session asks whether a startup can truly scale across Europe without becoming a different company market by market.
Europe has been treating KYC like a one-off date. As the technology rapidly changes and digital channels become dominant, find out how the best institutions are pioneering new ways to know their customers.
This session explores how different networks use data, embedded rewards, and merchant integrations to secure their position, and asks whether Europe can build the network effects needed to secure strategic autonomy.
Europe has shown that it can produce ambitious, credible fintechs, but too often the next phase of scale happens elsewhere. This session explores what has to change if Europe wants to keep more of the value it creates.
This session explores the reality of the European "attention economy," looking at how founders break through the noise to reach enterprise customers and investors at home and abroad simultaneously. It asks: is your biggest hurdle the product, or the fact that the people who matter simply don't know you exist? Did you mention AI in your deck enough?
