Patrik Novák VP of Fintech, Kiwi.com Nick Mclaren Head of the Future of Money Division, Bank of England Julie Mingus Sr. Director Treasury Operations, Cinemark Margarida Rodrigues Head of Customer Payments, Sonae James Harwood Head of Fraud, Virgin Media & O2 Ben Orgill Head of Payment Services, OVO Energy Gretchen Rodriguez Head of Product - Payments, TD Bank Phil O'Hagan Senior Head of Product (Pay, Fraud & Services), Sainsbury's Daniel Wilson Head of Payments Strategy, Industry and Roadmap, Nationwide Claire Simpson Interim Head of Policy, Payment Systems Regulator Jerry Krayzman Director, Product Manager, Billing & Payments, Survey Monkey Andrew Self Head of Department - Open Finance and Open Banking, FCA