Global Payments Technology & FinTech Innovations: Trends, Regulations, and Future Outlook

Introduction & Key Concepts

• Overview of the global payments landscape
• Payment technology courses at Redcliffe cover the fundamentals:
  • Core payment systems (RTGS, ACH, SWIFT, SEPA, etc.)
  • Payment rails comparison (card networks, bank transfers, digital wallets)
  • Role of central banks & payment infrastructures

Global Payments Frameworks

• US Payments:
  • FedNow, Fedwire, RTP, and the evolution of ACH
  • Credit card payments (Visa/Mastercard) vs. digital wallets (Apple Pay, PayPal)
  • Regulatory landscape (Regulation E, Nacha rules)
  • Case Study: Example scenario using the US Fedwire payments infrastructure

• UK & European payments:
  • Open Banking & the Payment Services Directive (PSD2) impact
  • SEPA Instant Payments & digital euro developments
  • UK’s CHAPS, Faster Payments & fintech adoption (Revolut, Wise)
  • The impact of the move from SWIFT MT to MX/ISO 20022 messages for cross-border payments
  • Case Study: UK and EU Payments example scenarios

• Payments in the Middle East and North Africa:
  • Real-time payments technologies in the Middle East - Aani in Saudi Arabia, UAE’s IPP
  • Digital currencies (CBDCs in the UAE, Saudi Arabia)
  • Cross-border payment innovations (Ripple, blockchain pilots)
  • Case Study: Example scenario using blockchain payments in the Middle East

• APAC Payments infrastructures (India, Singapore, China, Australia, Japan, ASEAN):
  • India’s UPI & Singapore’s PayNow
  • China’s digital yuan & Alipay/WeChat Pay within digital banking and Payments
  • Australia’s NPP & emerging APAC fintech hubs
  • Case Study: Example scenario using PayNow and Alipay for cross-border payments

FinTech Innovations in Payments

• This fintech payments course assesses embedded finance & Banking-as-a-Service (BaaS)
• Blockchain, stablecoins, and decentralised finance (DeFi) in payments
• AI & fraud prevention in payments
• Case study: A payment scenario using Stripe & Ripple, and emerging players for Payments

Regulatory & Compliance Challenges

• AML/KYC requirements across regions
• Cross-border payment regulations (FATF, OFAC, GDPR, Cards Data Security Standards)
• EU Payments Regulations – PSD2 training/PSD3, PSR, Crypto Assets regulations (MiCAR)
• Future regulatory trends (CBDCs, crypto regulations)

Discussion: The Future of Payments

• Group discussion: "What will payments look like in 2030?"
• US Cryptocurrency and Stablecoin regulatory policy and impact on Payments
• Scenario planning Exercise: Impact of AI, quantum computing, and CBDCs on Global Payments

Closing Remarks and Next Steps

• Summary of key insights
• Q&A
• Resources for further learning

Redcliffe's payment technology courses expert is a successful industry leader and Fintech industry professional. He has over 24 years of experience leading successful, multi-disciplinary initiatives to achieve regulatory compliance. He helps strengthen the performance for asset managers, hedge funds, insurers, banks and brokerages.

He specialises in Regulatory and Organisational Governance, Regulatory frameworks, Financial, Regulatory and Sustainability disclosures, as well as new technology frameworks within the Investment Management, banking and Insurance product lifecycle.

He is the CEO of Pico Analytics, and has led many transformation initiatives with firms such as Barclays, HSBC, JP Morgan, Deutsche Bank, M&G and T Rowe Price. He is a member of industry associations such as the Investment Association, Irish Funds, ALFI and AIMA, and a part of regulatory working groups with the FCA/PRA, ESMA/ECB/BIS, CSSF and CBI.

By the end of this course, you will:

• Gain a global perspective on core payments infrastructures and their regional differences:
  • ACH, SWIFT, SEPA, UPI, FedNow, PayNow, Alipay)
• Understand regulatory frameworks and cross-border compliance requirements:
  • PSD2 training, PSD3, PSR, MiCAR, AML/KYC
• Explore fintech innovations including blockchain, CBDCs, DeFi, embedded finance, and AI-driven payments.
• Apply practical insights through case studies, scenario planning, and discussions on real-world payments challenges.
• Anticipate the future of payment technologies and future trends. Develop strategies to navigate disruptions. This would include changes in AI, quantum computing, and evolving crypto regulations.

• An experienced trainer, with real-life consulting and implementation experience at the world’s largest banks, broker-dealers, and asset managers, delivers Redcliffe's Global Payment Technology courses.
• The course includes real-life fintech and payments case studies. We also utilise interactive discussion groups.
• The course director is a practising Banking and Fintech leader. He advises banks, asset managers and insurers on the adoption of new technology frameworks and shares current real-world experience in managing disruptive technologies and optimising fintech with delegates. This ensures training is more engaging, practical, and applicable for your day-to-day role.
• Redcliffe has been delivering quality training for over 20 years. We are proud of our first-class reputation and professionalism.
• We are always judged by our results, and feedback from delegates to date has always been excellent.

This fintech payments course is a ‘must know’ for:

• CEOs/CTOs/CROs/CIOs and Senior managers seeking to gain a better understanding of technology advancements and regulatory updates in this area
• Banking, Lending and Fintech practitioners charged with overseeing and managing front office, middle office and back-office technology innovations and regulatory change
• Department Heads, Team Leaders and Supervisors
• New Business and Product Strategy teams
• Delegates seeking a better understanding of the Payments and Fintech innovations and how they will impact global lending, cross-border payments and cash management
• Professionals involved or with an interest in Fintech and Payments framework seeking either a refresher or wishing to acquire new skills.
• Payments & compliance specialists
• Technology & innovation teams

This one-day, interactive and practical fintech payments course provides a comprehensive exploration of global payments technologies and FinTech innovations. It is for senior managers and mid-level Banking, lending and Fintech managers seeking an understanding of key Payments frameworks across the US, UK, Europe, MENA, and APAC.

Participants will examine cutting-edge advancements like blockchain, CBDCs, and real-time payments. You will address regional regulatory challenges such as:

• PSD2 compliance
• PSD3
• PSR
• MiCAR
• Open Banking
• AML and compliance hurdles in cross-border transactions

The session highlights emerging trends, including embedded and decentralised finance, AI-driven payments, and contactless adoption, offering strategic insights to navigate disruptions and leverage innovations.

Attendees will gain actionable knowledge to drive payments innovations across their firms and the industry, achieve compliance and understand regulatory frameworks, mitigate risks, and capitalise on the future of payments. These concepts are illustrated through real-life case studies, group discussions and worked examples.