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

Introduction & Key Concepts

• Overview of the global payments landscape
• Fundamentals of Payments technologies
  • 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 & 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 UAE, Saudi)
  • Cross-border payment innovations (Ripple, blockchain pilots)
  • Case Study : Example scenario using blockchain payments in the Middle East

• APAC Payments infrastuctures (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

• Embedded finance & Banking-as-a-Service (BaaS)
• Blockchain, stablecoins, and decentralized finance (DeFi) in payments
• AI & fraud prevention in payments
• Case study: Payments scenarios 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/PSD3, PSR, Crypto Assets regulations (MiCAR)
• Future regulatory trends (CBDCs, crypto regulations)

Discussion - 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 trainer is a successful industry leader and Fintech expert with over 24 years of experience leading successful multi-disciplinary initiatives to achieve regulatory compliance and strengthen performance for asset managers, hedge funds, insurers, banks and brokerages. He specialises in Regulatory and Organizational Governance and Regulatory frameworks, Financial, Regulatory and Sustainability disclosures, and new technology frameworks within the Investment Management, banking and Insurance product lifecycle.

Currently the CEO of Pico Analytics, he has led numerous 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, participants will:

• Gain a global perspective on core payments infrastructures (ACH, SWIFT, SEPA, UPI, FedNow, PayNow, Alipay) and their regional differences.
• Understand regulatory frameworks such as PSD2, PSD3, PSR, MiCAR, AML/KYC, and cross-border compliance requirements.
• 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 future trends and develop strategies to navigate disruptions like AI, quantum computing, and evolving crypto regulations.

• The Global Payments Technology & FinTech Innovations course is delivered by a highly experienced trainer, with real-life consulting and implementation experience at some of the world’s largest banks, broker-dealers, and asset managers.
• The course is filled with real-life Fintech and Payments case studies and includes highly interactive discussion groups.
• The Course Director is a practising Banking and Fintech leader who advises banks, asset managers and insurers on adoption of new technology frameworks and is sharing current real-world experience managing disruptive technologies and optimizing fintech with delegates. This will make the training more interesting and practical, and we believe, more meaningful.
• Redcliffe has been delivering quality training for over 20 years, and 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 Global Payments Technologies & FinTech Innovations workshop 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 who are 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 it will impact global lending, cross-border payments and cash management.
• Anyone 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 workshop provides a comprehensive exploration of global payments technologies and FinTech innovations, aimed at senior managers and mid-level Banking, lending and Fintech managers aiming to gain an understanding of key Payments frameworks (ACH, SEPA, UPI, SWIFT) across the US, UK, Europe, MENA, and APAC.

Participants will examine cutting-edge advancements like blockchain, CBDCs, and real-time payments, while addressing regional regulatory challenges (PSD2/PSD3/PSR, MiCAR, Open Banking, AML) and compliance hurdles in cross-border transactions. The session highlights emerging trends such as embedded and decentralized 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 capitalize on the future of payments in a rapidly evolving financial landscape. These concepts are illustrated through real life case studies, group discussions and worked examples.