Netcetera Innovation Summit 2026

Banks, payment schemes, fintechs, merchants and technology providers are meeting in Munich on 3 and 4 December 2026 to discuss the future of European payments, from multi-rail ecosystems, digital identity and trust to tokenisation, AI, fraud prevention and new payment experiences.

The programme opens with an afternoon of hands-on workshops, followed by a full summit day of presentations, customer case studies and time to talk with peers and G+D Netcetera experts.

Workshop Day: Thursday, 3 December (afternoon)

Smaller sessions for working through specific topics in depth:

• Authentication beyond OOB: the latest on passkeys, EUDI Wallets as an authentication option for 3DS, and how the ACS can orchestrate authentication intelligently
• Omnichannel payments in a multi-rail world: how banks and issuers can stay relevant as journeys spread across cards, account-based and instant payments, CBDCs, stablecoins and new channels
• AI in fraud case handling: a live look at how AI gathers related transactions, linked identities and customer data so analysts can assess cases faster
• Who authorised the agent? How the EU Digital Identity Wallet can authenticate the cardholder and create a verifiable mandate that defines what an AI agent is allowed to pay for

Summit Day: Friday, 4 December

• Keynote speeches: The European payments landscape 2027–2030, a focus on digital sovereignty and payment resilience, and the future of finance in the age of AI
• Click to Pay: how issuers, including multi-scheme issuers, can meet tokenisation mandates with less integration effort, shown through a customer integration
• One platform, every rail: extending tokenisation and value-added services to account-to-account payments, Wero, digital currencies and stablecoins
• Multi-rail issuer wallets: bringing card and account-based payments together for cross-platform tap-to-pay
• Digital identity meets payments: how the EUDI Wallet and swiyu let banks go beyond KYC and SCA
• Agentic commerce: why banks are well placed to establish trust when AI agents search, decide and pay
• 3-D Secure in practice: a European bank’s case on building a decline model with modern risk scoring