In an era where technological advancements and consumer expectations are reshaping the payments industry, understanding the dynamics of this evolving landscape is crucial. This session brings together executives from credit card companies, Buy Now Pay Later (BNPL) providers, and open banking innovators to explore the future of payments. Join us as we unmask the opportunities that lie ahead and identify the potential winners in this competitive field.

Through the introduction of new API-based fintech tools capable of extracting alternative data like cash flow information and utility bills, lenders gain a more comprehensive understanding of a borrower’s financial well-being. This enables them to make quicker and more informed decisions when assessing and evaluating credit applications. In this session we will be examining alternative fintech tools and methods to credit scoring that can be used to determine a customer’s credit worthiness when applying for credit.

Consumer behaviors in the financial sector vary significantly across different regions, presenting unique opportunities and challenges for fintech companies. This panel brings together leaders from different regions to explore how regional differences shape the design and usability of financial technology. Our panelists will share insights and use cases into the cultural, economic, and regulatory factors that influence UX and discuss how fintech companies can create tailored, user-centric experiences to meet the diverse needs of consumers in these markets.