Panel Session Six: Preventing fraud in e-commerce According to MerchantSavvy, cumulative losses in online payments due to fraud are expected to amount to $343 billion for merchants between 2023 and 2027. Although global card fraud has fallen slightly in recent years, the current level still equates to 6.5 cents per $100 spent on cards - double the 2014 total. As digital transactions continue to grow across sectors, fraud prevention strategies must evolve to protect not just online retailers but all businesses processing electronic payments. In this session, we’ll explore the future of fraud prevention across the payments ecosystem, looking at the strongest fraud mitigation strategies in 2025. We’ll examine how AI-driven risk assessment, digital ID verification, and biometric authentication are shaping fraud defenses, particularly in transport, mobility, and public sector payments. We’ll also discuss how large-scale payment networks - including transit systems—are safeguarding transactions, preventing fraud, and ensuring seamless yet secure customer experiences. Key takeaways: Discover how best to implement advanced fraud prevention strategies using technology such as digital ID, biometrics, AI, and blockchain to safeguard consumer data, enhance e-commerce transaction security, and ensure robust protection for financial transactions. Moderator: Angela Yore, CEO & Founder, Sky Parlour Panellists: Matthew White, Global Payments Lead, Clarks Gitika Rohilla, Online Payments and Chargebacks Manager, TfL Richard Brown, Fraud Analyst, Superdry Craig Wordsworth, Head of Risk - Uber Payments UK, Uber Freyja McKenna, Head of Performance Optimisation EMEA, Adyen Brandt Hoffman, Sales Director, Fraud Services, AtData

Ecommerce growth trends: Looking into 2026 & beyond • Identifying how the global e-commerce market is expanding and understanding the key drivers • How consumer expectations for personalized, mobile, and omnichannel shopping experiences are evolving and how the industry needs to adjust • Evaluating the effect of new technologies such as AI and blockchain on the industry at large • Meeting the trend for sustainability to enhance brand reputations • Tapping into global customer bases and capitalising on new growth regions Richard Lim, CEO, Retail Economics

With growing popularity and interest in digital currencies and blockchain technology in recent years, Distributed Ledger Technology (DLT) makes it possible to create highly secure and reliable platforms to transfer assets and perform business transactions. The Bank for International Settlements (BIS) reports that as of 2021, 60% of central banks were experimenting and conducting their own proof of concepts with DLT technology to enable a Central Bank Digital Currency (CBDC). DLT-based CBDCs can be used to settle payments and other financial transactions in real-time, 24x7, and also meets the highest security requirements in the market from both a reliability as well as a data confidentiality perspective. What is the impact of blockchain on eCommerce? How will geopolitics affect progress in open banking and digital currencies? What is the impact of EU digital ID wallets on banks and financial institutions? How are financial institutions working with regulators and industry bodies to ensure that digital currencies are a secure method of eCommerce and banking? David Hunter, Chairman of the Board of Directors, The Payments Association With: Emma Landriault, Vice President Coin Systems, Onyx, Onyx by J.P.Morgan

How is NatWest approaching Open Banking? Where do NatWest see the primary commerce opportunities for Open Banking? What challenges do A2A payments need to overcome on the road to becoming a mainstream medium for everyday commerce? Leda Glyptis, Author of #BankersLikeUs in conversation with Mark Brant, Chief Payments Officer, NatWest

Keynote By: Marion King, Chair & Trustee, Open Banking Ltd. A payment initiation service (PIS) is a payment option made possible by open banking, enabling consumers to pay for goods or services directly from their bank account without leaving the merchant's app or website. Join Marion King as she details the advantages of PIS platforms' strong authentication, encrypted communication, data protection and consent framework, and learn about the future for PIS technology in terms of enhanced fraud protection and integration with emerging technologies as consumer adoption continues to increase.

Fireside Chat interview: eCommerce in the Metaverse The Metaverse is a universal and highly immersive virtual world where people can work, play, shop and socialise. Many think that NFTs will be one of the core components of experiencing the Metaverse. But what if your account gets hacked, and your digital assets are stolen? Cyber hygiene needs to be of the utmost importance to prevent hacks. How can those involved in the Metaverse best guard against scams and spear-phishing attacks? Why is digital identity verification necessary and how will identity technology open up eCommerce in the Metaverse? Amelie Arras, Marketing Director, Zumo Money David Karney, Head of Digital Assets, Worldline Global

#21questions is a series of 3mins short and snappy interviews with our upcoming EPay Europe contributors. Hear our experts views on companies to watch out for, epay trends and biggest challenges facing the fintech industry. Download our event app and watch all series.

Afternoon Keynote Address: Payment Trends and the Future As an industry, “seamless customer journey”, “alternative payment methods” and “local acquiring” are buzzwords, or rather, buzz-phrases we’ve been talking about for a while now. But what’s next? In this talk, we discuss the key payment trends shaping the way we purchase and sell – and how businesses of all shapes and sizes must get on board if they are to drive growth, elevate the customer experience and, ultimately, get the best ROI. And it’s not just merchants looking to maximise revenue. There’s a huge demand for embedded payments among software firms, in an industry set to grow by over 40% to reach £95billion this year. With the massive acceleration of ecomm and contactless payments, now is the time to do less talking and more doing. Nikhita Hyett, Managing Director – Europe, BlueSnap