Money 20/20 Europe is here again and we are looking forward to all the fintastic ideas, conversations and partnerships.

As we gear up for what promises to be a packed three days, here are some of the key themes we expect to see:

Hyper-personalisation means more embedded finance

Hyper-personalisation is a major theme of the event this year and we expect conversations around it to reflect its intersection with embedded finance. As consumers demand better user experiences, banks and fintechs will need to innovate around the customer journey. Collaboration will be one of the biggest building blocks here as these companies work together to introduce more personalised experiences for savvy customers.

Across the Money 20/20 agenda, this is examined in the context of open banking, partnerships, wealth management and data with conversations on:

• fostering embedded banking partnerships to drive personalisation across B2B lending and more B2C extensions like transportation and personal finance.
• demystifying the role of embedded finance in wealth management.

These sessions will be looking to answer one main question‍—‌how and where can fintechs introduce embedded finance to drive personalisation and enhance their core offerings?

Renewed focus on alternative payments

Payments will be a major focus this year with conversations around the adoption and implementation of the Payment Services Directive 3 (PSD3) across Europe. We also fully expect a debate on regulation of the blockchain and digital currency adoption.

As the regulators continue to push and support the implementation and adoption of alternative payment methods, conversations at the event will also delve into how we can harness additional value from open banking and enhance the payments experience with methods like pay by bank.

Much ado about artificial intelligence

Last year, we predicted that AI will make up a huge part of the conversation at Money 20/20. Fast forward to 12 months and the whole event is about AI.

Like every other industry, the financial services sector is grappling with some existential questions:

• What security threats does AI and deep fake technology pose for the industry?
• With access to so much data, will AI help the tech giants like Apple and X take over the fintech industry?
• How can we leverage AI to improve financial services across the board?

We hope that the learnings from AI adoption this past year will be reflected in the conversations on this topic throughout the event and provide some answers to these questions.

We’re expecting all of this and more in conversations throughout the event, at our stand 8B112, and all of our fringe events.

To find out what we’re getting up to at Money 20/20 this year, check out our event info page.

See you in Amsterdam!