We’re delighted that you have chosen to join us at the Smarter Payments Summit – a unique event, tailor-made to meet your individual requirements. We have carefully planned out your itinerary to ensure your time here is worthwhile: Connect with businesses relevant to your current and forthcoming projects in our matchmade one-to-one meetings.
And let’s not forget the networking – we’ve created a relaxed environment for you to form new partnerships, with ample opportunities to mix with peers during the buffet lunch and coffee breaks! 10 Seminars
14 Dates for your Diary
Supplier Directory 16
‘ Mobile Payments: Payments as a Trust Layer – Managing chargebacks, disputes and CX in fashion retail ’ 8 Our Partners 4 Itinerary 6 12 Delegates
For more information about our event, contact:
Victoria Petch - Event Sales Manager on 01992 374082 or v.petch@forumevents.co.uk
Amy Wilson - Delegate Sales Executive on 01992 374096 or a.wilson@forumevents.co.uk
Our Partners
Partners & Supporters
Seamless Global Communication & Monetization
Trusted voice, messaging, and roaming solutions powered by Travel eSIM, omnichannel APIs, and identity services—enabling effortless connectivity and revenue growth worldwide.
Itinerary
08.45 - 09.15
Opening Presentation
‘Droids and Dollars: how the payments industry navigates AI, fraud and crypto when everything is happening all at once’
Leda Glyptis
Fintech Executive
Goodmans Suite
09.20 - 09.55
Panel
‘Point of sale and e-commerce – the future is here!’
Alan Horsfield (KPMG), Michelle Plevey (KPMG), Galina Safina, Matt King (Adyen) & Rob Crutchington (Encoded Ltd)
Goodmans Suite
10.00 - 12.55
Face to Face Meetings
Trinity Suite
12.55 - 13.35
Networking Buffet Lunch
The Atrium
13.40 - 14.15
Seminar
‘ VRPs: The early-adopter strategic advantage’
Daniel Armitage
GoCardless
Goodmans Suite
14.20 - 14.40
Fireside Chat
‘Smarter payments and the customer experience: Trust, Loyalty and Impact ’
Holly Mead & Aswin Peter (Energy & Utilities Industry)
Goodmans Suite
14.45 - 16.45
Face to Face Meetings
Trinity Suite
MOBILE PAYMENTS: Payments as a Trust Layer – Managing chargebacks, disputes and CX in fashion retail
Payments have become a critical trust layer, shaping how customers perceive the brand long after checkout. With high return rates, seasonal peaks and cross-channel purchasing now the norm, disputes and chargebacks are rising in complexity as well as volume. For omnichannel fashion brands, the challenge is to reduce friction and protect margins without undermining customer loyalty…
Fashion’s unique dispute profile
Few sectors experience the same combination of high return frequency, fit-related dissatisfaction and impulse purchasing. Add to that click-and-collect, in-store returns for online purchases, and international shipping, and the potential for misunderstandings (and disputes) increases.
Chargebacks are no longer driven solely by fraud. In many cases, they stem from:
• “Item not received” claims linked to doorstep delivery issues
• Unclear return processing timelines
• Customers using chargebacks as a shortcut to refunds
• Subscription or recurring payment confusion
For fashion retailers operating at scale, even small percentage increases in disputes can significantly erode margin.
The post-purchase journey is the new battleground
Leading fashion brands are treating the post-purchase journey as a strategic CX moment, not an afterthought. Clear, proactive communication reduces uncertainty, and uncertainty is often what drives disputes. Best practice includes:
• Real-time delivery tracking with visible proof-of-delivery
• Transparent returns timelines and status updates
• Immediate confirmation when refunds are processed
• Clear contact pathways before a chargeback becomes a dispute
When customers feel informed, they are less likely to escalate prematurely.
Linking payments and customer service
Historically, payments and customer service have operated in silos. In an omnichannel world, that separation no longer works. Fashion retailers are increasingly integrating dispute data with CRM and order history, allowing service agents to see the full picture before responding.
This improves resolution speed and reduces defensive interactions. It also helps identify repeat dispute patterns — distinguishing between genuine customer friction and firstparty abuse.
Protecting margin without alienating customers
The key tension is balancing protection with trust. Overly aggressive fraud controls or rigid returns policies can increase friction and push customers toward competitors.
Instead, high-performing brands use risk-based approaches: applying stronger verification for high-risk transactions or serial disputers, while keeping the experience seamless for trusted customers.
Payments as part of brand experience
In fashion, brand equity is everything. A poorly handled refund or unresolved dispute can undo the impact of marketing and product investment.
By viewing payments, disputes and chargebacks as part of the customer experience, rather than purely financial processes, omnichannel retailers can reduce losses while strengthening loyalty.
Payments are not just about authorisation. They are about reassurance, and reassurance builds trust.
Seminars
WEDNESDAY 4TH MARCH
08.45 – 09.15
Leda Glyptis Chair of the Board / Visiting Professor of Practice
Fintech
Executive / Loughborough University London
“Droids and Dollars: how the payments industry navigates AI, fraud and crypto when everything is happening all at once”
Innovation and disruption in payments are not new. But the amount of mature and scaled technology adoption cycles happening all at once right now is unprecedented.
• What does the rise of agentic commerce mean for the payments industry?
• What does the launch of iris authentication for smart glasses change for consumer payments?
• What does the fraud landscape look like as a result of these changes?
• Where do stablecoins fit into all this?
• What is next and how best to prepare your organisation for the journey ahead.
Leda Glyptis is a seasoned Fintech executive and former banker, with a career spanning two decades working in transformation and technology functions across a variety of financial services verticals.
She is the author of best-selling books, a frequent keynote speaker at flagship industry events globally and the author of the highly acclaimed #LedaWrites column on Fintech Futures. Leda is also Visiting Professor of Practice for the University of Loughborough London, focusing on fintech and the digital economy, and works as an external advisor to boards and executive teams for banks, financial institutions and technology companies globally, supporting leadership teams in transition. Additionally, Leda works with established technology and younger fintech companies as an external advisor.
09.20 – 09.55
Alan Horsfield
Senior Manager – Regulatory, KPMG
Michelle Plevey
UK Head of Payments Regulation, KPMG LLP
Matt King
Global Partner Lead, Adyen
Galina Safina
Finance Leader in Global Retail & Consumer Brands
Rob Crutchington CEO, Encoded Ltd
“Point of sale and e-commerce – the future is here!”
Opportunities / challenges merchants want to consider as the strategy is implemented.
Alan Horsfield is a Senior Manager in KPMG’s payments regulatory team, with experience supporting clients to respond to regulatory requirements such as PSD2, Open Banking and regulatory authorisations. His clients have included Central Banks, Payment Schemes, FinTechs and large corporates.
Michelle Plevey is the Director of KPMG’s payments regulatory team, providing advice to a wide variety of payment service providers including Banks, Payment Schemes, FinTechs and EMIs. Her expertise includes Strong Customer Authentication, Regulatory Authorisations and Open Banking.
Matt King is a global lead for Adyen’s partnership with a major GSI, supporting a team of 12 dedicated ICs and driving growth across EMEA, NA, LATAM, and APAC. He oversees the dedicated resource within the GSI to ensure alignment and maximize success, helping Adyen develop a global partner program by building strong GTM strategies, education, coselling techniques and leveraging personal network with global system integrators and top consulting firms.
Galina Safina, as a finance leader, focuses on managing risk and driving capital allocation, which are essential components in supporting business expansion and innovation. She helps organizations streamline financial processes, implement effective systems, and manage complex transformations with confidence. She brings clarity, efficiency, and long-term impact. Her approach is people-first — creating buy-in, guiding teams through change, and fostering trust across functions and borders.
Robert Crutchington is the CEO of Encoded Ltd, where he has spent 25 years shaping the evolution of payment technology. Under his leadership, Encoded has focused on bridging point-of-sale and e-commerce through modern payment orchestration, tokenisation, and seamless omnichannel experiences.
WEDNESDAY 4TH MARCH
“ VRPs: The early-adopter strategic advantage”
Daniel Armitage Enterprise Account Executive, Open Banking GoCardless
The commercial rollout of Variable Recurring Payments represents the single biggest upgrade to the UK’s payment infrastructure in a generation. Businesses that treat this as a strategic priority today will not only reduce their operational costs but will redefine their relationship with their customers.
Join our short talk to find out:
• Why recurring payments need a rethink
• Are VRPs the unlock?
• How to be a first-mover
As our Open Banking Account Executive at GoCardless, Daniel Armitage supports business leaders through the ever changing payments landscape. With 10 years’ experience working with finance teams on cloud technology, Daniel is specialised in corporate and enterprise level sales. His experience includes helping to bring payments and financial document solutions to market, managing multi-departmental deals with board level approval as well as mentoring and coaching for new starters in sales.
“Smarter payments and the customer experience: trust, loyalty and impact ”
• How has smarter payments impacted the customer experience in recent years?
• What influence can humanised AI have on their experience?
• Why is personalisation in the payments space critical for customers?
• How can product strategy develop, particularly around payments, in regulated industries such as energy and utilities?
• What is the future of payments in the energy and utilities industry
Holly Mead is an award-winning journalist who has been writing about investing and personal finance for 15 years. She previously worked for The Times & Sunday Times, where she launched and hosted the paper’s Feel Better About Money Podcast, and has also worked for The Sun, Daily Mail and the investment research company Morningstar. She has won multiple awards for her comment pieces, broadcast work and investing articles and investigations.
Aswin Peter is a product leader who is passionate about building innovative game changing products to deliver value through customer centric solutions. He has over decade of global experience driving short & long term strategic goals through building products that solves customer’s core problems. Aswin is analytical at heart and believe data drives product decisions . He is hyper focused on key metrics. Entrepreneurial by nature, he thrive under pressure and building products excite me. Highly resourceful with great influencing skills and with proven ability to lead diverse teams across geographies. Peter has a Bachelor’s degree in Engineering and an M.B.A from McCombs School of Business, University of Texas - Austin.
Holly Mead Personal Finance Journalist
Aswin Peter
Delegates
2X Global Group
Akita Brands LTD
Amazon
APCOA Parking
BBC Studios
Bboxx Connected Community Ltd
Booking Holdings
BP
Bristol Myers Squibb Business Services Ltd
British Airways
Christian Aid
Community Fibre Limited
CPS- NHS Primary Care Support England
Davies Group
easyJet
EC Markets
Elements Green
EQI bank
Estée Lauder Companies
Eurotunnel
FDJ Group
Franke Group
Fulham Shore Ltd
Great Western Railway
H&M GROUP
Harper Concierge
IHG Hotels & Resorts
MHRA
MOD
Director of Finance
Finance Manager
Program & Product Manager
Senior Treasury Manager
Head of Finance
Finance Head
Group Financial Crime Director
Head of Consumer & Business Payments
Global Process Owner I2P Global Payments
Principal Solution Architect
Senior Income Processing Officer
Payments & Collections Head
Senior Ops Manager Payments
Service Improvement Manager
Product Manager
Payments Product Manager
Payments Specialist
Finance Manager
Head of Payments
Lead Technical Product Owner
Consulting Director
Enterprise Architect
Head of Finance & Controlling
Head of IT
Head of Revenue Protection Development
Head of Finance
Head of Finance
Group Treasury Director
Senior Product Manager
Deputy Head Treasury Management
N Brown Group
Nationwide Building Society
Oxford University Press
Pandora Post Office
Richemont
Royal Surrey NHS Foundation Trust
RS Group
Samsar Resources
Thames Freeport
The Economist
The Office Group
Together Dental
Trade Marketplaces
Tombola
University of London
Valpak by Reconomy
Virgin Media O2
WeFlex
WWF
Zensho International
Delegates
Director of Financial Services Product & Decisioning
Adflex helps organisations take control of how they use and accept cards across B2B and B2C payments. For finance, treasury and procurement teams, we reduce friction in both payables and receivables. We make accepting cards on your website simple, supporting secure online payments, payment links and virtual terminals that reduce checkout friction, increase acceptance rates and grow revenue. On the payables side, we help businesses use commercial cards more effectively, automate supplier payments and unlock working capital, improving cash flow while cutting manual processing. On the receivables side, we remove barriers at the point of payment and increase wallet share from existing customers. From supplier payments and virtual cards to integrated online card acceptance, Adflex gives finance teams greater visibility and control across their payment flows. The result is faster payments, stronger cash flow and measurable commercial impact across evolving card strategies.
Adyen is the financial technology platform that accelerates growth for enterprises, by offering end-to-end payments and financial services in a single global solution. We build technology that helps the world’s leading brands manage their finances, reduce complexity, and supercharge their growth.
oscar.butterwick@airwallex.com / airwallex.com
Airwallex is a leading global financial platform building the future of banking for the borderless economy. Operating one of the world’s most comprehensive financial infrastructures with 80+ licenses, Airwallex enables enterprises to manage global payments, treasury, and spend management at scale. From public enterprises to global tech giants like SHEIN and Navan, over 200,000 companies use Airwallex to automate financial operations and monetise their own financial products. Co-headquartered in San Francisco and Singapore, we provide a regulated, real-time backbone for businesses operating in a globalised, intelligent economy.
As a business we pride ourselves on making payments easy. We stand as a leading payments specialist in the UK, facilitating the seamless collection and distribution of funds between organisations and their customers. Established in 1994, processing over £9.4 billion annually for over 900 public and private sector entities. We process 66.4 million transactions annually, offering a comprehensive bill payment solution that encompasses all major payment methods. Our commitment to innovation has led us to pioneer the introduction of Prepaid Cards within the Public Sector. From card design to printing and fulfilment, all aspects are handled by our dedicated team. We are proud to serve over 500 Housing Associations and ALMOs, and nearly 60% of all UK Local Authorities choosing allpay for their bill payment services. We adhere to the highest standards of PCI DSS compliance, hold various ISO certifications, maintain Bacs-approved Bureau status, and boast accreditations from Mastercard and Visa 01432 852 571 /
About APEXX GLOBAL (www.apexx.global) APEXX Global is a multi-award winning global payments orchestration platform that combines acquirers, gateways, shopping carts and Alternative Payments Methods into a single marketplace and one-stop solution for Enterprise/Tier 1 merchants. APEXX builds an integrated and transparent service that manages the authorisation, processing and optimisation of transactions. APEXX takes an agnostic approach to partnerships, working with many different solutions providers across the payments industry. Our approach creates a more efficient and cost-effective solution that cuts through the complexity of e-payments and leaves behind legacy technology systems. Our mission is to help businesses grow by reducing unnecessary costs, increasing conversion rates and simplifying the payment execution process through advanced payment orchestration.
Checkout.com processes payments for thousands of companies that shape the digital economy. Our global digital payments network supports over 145 currencies and delivers high-performance payment solutions across the world, processing billions of transactions annually. In 2025, Checkout.com will exceed $300bn in ecommerce payments volume. We help enterprise merchants boost acceptance rates, combat fraud, and turn payments into a major revenue driver. Headquartered in London and with 19 offices worldwide, Checkout.com is trusted by leading brands such as HelloFresh, eBay, Uber, Pinterest, Vinted, Klarna, Financial Times, and Sony. Checkout.com. Where the world checks out.
DECTA
02037 502 195 / decta.com
DECTA is a global payment technology provider offering comprehensive solutions across acquiring, issuing, processing, white label gateway and a digital banking platform. Serving merchants, banks, payment service providers and fintechs, DECTA delivers tailored payment services as a standard, ensuring accessibility and flexibility for every client. With offices across Europe — including Ireland, Cyprus, the UK, and Latvia — DECTA empowers businesses to scale and innovate in the evolving payments landscape. Our fully authorised platform is built on direct licenses with Mastercard and Visa, certification with UnionPay International, and integration with a broad spectrum of global and local payment methods. Choose DECTA to unlock faster, reliable, and fully customisable payment solutions that grow with your business.
At Ecommpay, we’re all about making online payments smooth and seamless for businesses ready to grow. We’re not just a provider – we’re your trusted partner, here to keep your payments flowing effortlessly and help you get the most out of every transaction. Our payment gateway brings together direct acquiring capabilities, 100+ alternative payment methods, open banking, and Direct Debits, all through a single integration. Plus, our team of experts is always here to support you and help your business thrive.
Encoded is a UK-based fintech specialising in white-label payment gateway and orchestration technology for businesses that want full control of their payments proposition without the cost or complexity of building it themselves. Through its highly configurable platform, Encoded Ltd enables partners to launch branded payment solutions that sit at the heart of their commercial offering, while Encoded manages the underlying infrastructure, security and compliance. A core strength of the platform is payment orchestration, allowing merchants and partners to route transactions intelligently across multiple acquirers, payment methods and geographies. This improves authorisation rates, resilience and cost efficiency, while future-proofing the payments stack as markets and customer preferences evolve. Encoded works closely with global development partners, including Visa, Apple and Google, delivering modern payment experiences such as network tokenisation, digital wallets and emerging checkout standards. Together, this positions Encoded as a flexible, enterprise-grade payments engine powering scalable growth for ambitious platforms worldwide.
GoCardless is a global bank payment company. Over 100,000 businesses, from start-ups to household names, use GoCardless to collect and send payments through Direct Debit, real-time payments and open banking. GoCardless processes US$130bn+ of payments annually, across 30+ countries; helping customers collect and send both recurring and one-off payments, without the chasing, stress or expensive fees. We use AI-powered solutions to improve payment success and reduce fraud. And, with open banking connectivity to over 2,500 banks, we help our customers make faster, more informed decisions. We are headquartered in the UK, with additional offices in Australia, France, Ireland, Latvia and the United States. For more information, please visit www.gocardless.com and follow us on LinkedIn @GoCardless.
07788 771 989 / neil.c@justt.ai /
Founded in 2020, Justt is the world’s leading smart chargeback solution, redefining recovery through AI-powered automation and deep domain expertise. While traditional methods rely on rigid templates, Justt utilises dynamic arguments to build bespoke, high-quality evidence tailored to the unique complexities of every dispute. As the most advanced, hands-off solution on the market, Justt integrates seamlessly with over 50 PSPs, including Stripe, Adyen, and PayPal, requiring zero development work from merchants. Our machine learning engine continuously runs background A/B tests, creating a powerful “network effect” where win rates start high and consistently improve over time. By replacing manual processes with a self-improving system, Justt achieves a scale and calibre that traditional solutions simply cannot match. It is the only chargeback partner that truly scales with your business, allowing merchants to recover lost revenue effortlessly while staying ahead of evolving fraud trends & card scheme rules (e.g VAMP.)
Marqeta makes it possible for companies to build and embed financial services into their branded experience—and unlock new ways to grow their business and delight users. The Marqeta platform puts businesses in control of building financial solutions, enabling them to turn real-time data into personalized, optimized solutions for everything from consumer loyalty to capital efficiency. With compliance and security built-in, Marqeta’s platform has been proven at scale, processing nearly $300 billion in annual payments volume in 2024. Marqeta is certified to operate in more than 40 countries worldwide. 07508 904 349 / sreza@marqeta.com / marqeta.com
MYPOS Connect
We deliver next-generation embedded EPOS and payment software. Our POSiO apps runs natively on iOS and Android devices, turning everyday mobiles into powerful point-of-sale systems, whilst our Secure Link Software enables instant payment link generation, all powered by Adyen for Platforms. Through our APIs and embedded Adyen integration, we enable in-store, mobile, QR code and payment links. The POSiO apps deliver resilient applications that operate both online and offline to ensure business continuity. We also partner with larger organisations to design and deploy secure, high-performance payment solutions tightly integrated with existing systems and we provide our system as a fully operational standalone backup payment solution for businesses requiring an alternative provider for disaster recovery planning. From mobile applications to enterprise-grade retail platforms, we help businesses modernise operations, elevate customer experience, and stay ahead in the evolving world of digital payments. Trusted by clients for 25 years.
Payrails
Payrails helps global businesses use payments as the foundation for smarter, more scalable financial operations. With a modular platform spanning Payment Orchestration, Tokenization, Unified Analytics, Automated Reconciliation, Chargeback Management, Fee Monitoring, and other interconnected workflows, Payrails enables enterprises to get more from their financial infrastructure. Our track record has made Payrails a trusted partner for some of the world’s most recognised names including Vinted, Puma, Flix, Careem and many more.
Proximus Global, combining the strengths of Telesign, BICS, and Route Mobile, is transforming the future of communications and digital identity. Together, our solutions fuel innovation across the world’s largest companies and emerging brands. Our unrivaled global reach empowers businesses to create engaging experiences with built-in fraud protection across the entire customer lifecycle. Our comprehensive suite of solutions – from our super network for voice, messaging, and data, to 5G and IoT; and from verification and intelligence to CPaaS for personalized omnichannel engagement – enables businesses and communities to thrive. Reaching over 5 billion subscribers, securing more than 180 billion transactions annually, and connecting 1,000+ destinations, we honor our commitment to connect, protect and engage everyone, everywhere.
Solidgate is a payment orchestration platform built for global companies looking to grow faster and smarter. Through a single integration, it helps global companies cut processing costs, boost approval rates, reduce fraud, and expand into new markets with ease. Solidgate connects businesses to leading acquirers and alternative payment methods across both developed and emerging regions, turning payments into a growth engine instead of a bottleneck. Solidgate acts as an extension of your payment team, solving real-world challenges at scale. Its mission is simple: transform payments from an outdated background function into a strategic driver of revenue and expansion.
TrueLayer, based in London and founded in 2016 by Francesco Simoneschi and Luca Martinetti, is Europe’s fastest growing payments network. We power smarter, safer and faster online payments by combining real-time bank payments with financial and identity data. Businesses use our products to onboard new users, accept money and make payouts in seconds, and at scale. We’re live across 22 countries and more than 15 million users trust us to process their transactions. Though we’re not stopping here. We’re on a mission to change the way the world pays. And we won’t stop until we’ve unlocked the full potential of payments.
Trust Payments
Trust Payments is a leader in fintech powering truly innovative customer commerce solutions across the UK & EU. We provide on-demand payments and commerce services to help businesses grow and scale online, in-store and on mobile. We combine omnichannel services with powerful tools, such as retail operations technology, loyalty management and instant eCommerce backed by powerful data insights that help shape business decisions. Our focus is driving value for our clients through innovative products that transform shopper experiences, backed by secure & frictionless payments. Small, medium and large enterprises benefit from our expertise that spans 25 years and a global footprint. We have over 400 people across 9 offices supporting the most demanding business sectors. Our card acceptance is powered by an acquiring network of over 50 global banks. We hold Visa and Mastercard Principal Memberships and are licenced by both the UK Financial Conduct Authority and the Malta Financial Services Authority. 07572 726 682 / harry.white@trustpayments.com / trustpayments.com
London Canary Wharf HELD TWICE YEARLY
10th September 2026
SEMINARS
Join educational sessions and panels led by top industry experts. Discuss current trends and best practices to enhance your skills and knowledge.
Explore how our event unfolds here
ONE-TO-ONE MEETINGS
The summit pairs buyers with leading suppliers through personalised one-to-one meetings, fostering connections and exploring business opportunities in a relaxed setting.
NETWORKING
Like-minded individuals will have the chance to connect with peers, build new business relationships, strengthen existing ones, and discuss industry advancements.
