Cards are no longer the default. New rails – A2A, Open Banking, wallets and hybrid payment models are reshaping how users pay and how merchants build resilience. This session explores what replaces the old rails, how Europe is shifting to Open Banking, and how multi‑rail ecosystems strengthen profitability.
- Why cards are losing dominance
- A2A adoption across Europe
- Open Banking as a primary rail
- Wallet growth and hybrid models
- Operator billing vs. new rails
- Payment resilience through multi‑rail design
- UX differences across payment types
- Compliance considerations for new rails
- Regional adoption signals
- Building a multi-trail strategy for 2027
Speakers:
Isik Uman, CEO – Tpay Mobile
Nisha Suwali, Chief Revenue Office – NextGen Payment
Dr. Simon Lichte, Director of Open Banking – Mobile Business Engine
Albert Comas, CEO – CelerisPay
