Europe | 12th May 2026 | London

CO-LOCATED WITH:
FTT Embedded Finance
FTT Embedded Finance
FTT Embedded Finance
FTT Embedded Finance

Meeting your customers

where and when they need you

FTT Embedded Finance & Super-Apps

12th May 2026 | London, UK

Meeting your customers

where and when they need you.

FTT Embedded Finance & Super-Apps

12th May 2026 | London, UK

Where embedded finance comes to life.

FTT Embedded Finance & Super-Apps – the leading event uniting a disruptive community of retailers, marketplaces, manufacturers, insurance providers, healthcare, entertainment and travel businesses, financial institutions, fintechs, and tech innovators.

Hear from the leading voices across an ecosystem of experts as they spotlight the transformative potential of embedded finance for consumers and businesses.

Discover how cross-industry partners are collaborating and innovating to deliver exceptional outcomes for end-users, leveraging the latest technologies and reimagining business models in the process.

Join us and make sure you stay at the forefront of the next wave of embedded finance innovation.

Check out the 2025 show highlights

Key event stats

700+

Senior
attendees

60%

Embedders

150+

Rockstar speakers
across all stages

5

Stages
of content

Key themes

Unleashing the power of AI on embedded finance

Explore the untapped potential of AI in embedded finance and its impact on future of financial services. Harnessing artificial intelligence transforms traditional approaches, paving the way for innovation, efficiency, and personalised experiences. The convergence of AI and embedded finance promises to revolutionise how we manage, access, and benefit from financial solutions – are you ready to learn more?

Partnerships

Embedded Finance is built on effective partnerships. Choosing the right partner has the potential to unlock unprecedented opportunities – shaping the trajectory of your future relationship with customers, fostering dynamic collaborations and sustainable growth in the fast-evolving landscape of embedded finance. Understand and learn from the experience of effective collaboration from those who have direct experience of building successful partnerships.

Venturing beyond traditional financial services

The financial services landscape is experiencing a revolution. There are a growing number of non-financial enterprises across a broad range of industries that can offer financial products at their fingertips to their end-users. Who benefits from financial products and services being delivered outside traditional financial institutions and channels, and who stands to gain from embedding these products and services in new channels?

Unlocking the potential of B2B embedded finance

B2B embedded finance has transformative potential. Seamlessly integrating financial services into business operations can enhance efficiency and empowers businesses with tailored financial solutions, fostering growth and innovation. Learn how this is redefining the traditional B2B landscape, unlocking unprecedented new opportunities for collaboration and success.

Exploring the impact of regulation on embedded finance

Staying up to date with evolving regulatory frameworks can be a challenge. Gain vital insights into the latest regulatory initiatives essential to the strategic and compliant development of embedded finance products. Expert speakers share key knowledge to navigate complexities and ensure the successful creation and delivery of customer-centric financial products.

The future of wealth management

Expanding access to wealth management tools is central to financial well-being for consumers and businesses. The potential scale of the market is huge. Using embedded wealth management to access that ‘untapped’ opportunity could expand the size of the wealth management market significantly.

Past attendees include

Non-financial brands, financial institutions, technology providers & policymakers

Sponsors

4 star sponsors

3 star sponsors

Official podcast partner

Rockstar speakers

Our line-up is growing daily. Check back for updates...

Tania Ziegler
Head of New Venture - Business Development & Revenue

Booking.com

LinkedIn
Michaela Weber
SVP, GM Payments, Strategic Business Development & Global Partnerships

Commerce

LinkedIn
Sean Hederman
Chief Technology Officer

Zilch

LinkedIn
Sanjeev Pottay
Commercial Director, Financial Services

The Very Group Limited

LinkedIn
Francesco Di Costanzo
CEO

Jaja Finance

LinkedIn
David Twigg
Financial Services MD

Frasers

LinkedIn
Andy Patton
CEO

Lycamoney

LinkedIn
Alicia Skubik
Chief Customer Officer

Trustpilot

LinkedIn
Nanna Bergmann
Managing Director/ General Manager

Moonrise by Lunar

LinkedIn
Aleksander Kaczmarek
VP of Loyalty

CarTrawler

LinkedIn
Myles Harrison
Chief Product Officer

AMINA Bank

LinkedIn
Arati Kurien
Director, Global Head of Commercial Cards Product Management

HSBC

LinkedIn
Marcin Glogowski
SVP Managing Director for Europe and UK CEO

Marqeta

LinkedIn
Marc O'Fathaigh
Country Manager UK & Ireland

Klarna

LinkedIn
David Cox
Payment Strategy Lead

Virgin Media

LinkedIn
Raul Arribas
CTO

Venga

LinkedIn
Gary David
Professor of Sociology and Experience Design

Host of Experience by Design Podcast at Bentley University

LinkedIn
Michael Breen
Head of Money Management Sales and Revenue (EMEA)

Stripe

LinkedIn
Letizia Pepe
Director

Bank of America

LinkedIn
Erdem Ersoz
Director of Cards

Tide

LinkedIn
Aurelie Seth
Head of Product

The Whisky Exchange

LinkedIn
Isadora Turatti
Global Director, Partnerships & Expansion

BEES

LinkedIn
Luke Trayfoot
Global Head of Strategic Partnerships

YouLend

LinkedIn
Jakob Pethick
Chief Commercial Officer

YouLend

LinkedIn
Dan Wilson
Head Of Payments Customer Journey

Nationwide Building Society

LinkedIn
Rochelle Sharpe
Senior Product Owner - Payments

Allica Bank

LinkedIn
Sophia Furber
Research Analyst, Emea Fintech

S&P Global Inc.

LinkedIn
Zil Bareisis
Head of Retail Banking and Payments

Celent

LinkedIn
Paul Loberman
Senior Consultant

May Business Consulting

LinkedIn
Garrett Cassidy
Founder & Managing Director

Abarta Consulting

LinkedIn
Shaul David
Consultant

University of Oxford

LinkedIn
Lusine Kuchukyan
Senior Product Manager

Glovo

LinkedIn
Quim Ros Coronas
Fintech Revenue Manager

Glovo

LinkedIn

Agenda

09:10 – 09:20 PLENARY SESSION - Opening Remarks

09:20 – 09:55 PLENARY SESSION: Banking by default – key trends in embedded finance

As embedded finance moves rapidly beyond invisible payments, what are the key areas of growth? The panel will examine whether partnerships between banks, BaaS providers and non‑financial brands are becoming more mature, trusted and sustainable, and who is really leading the charge: B2B platforms or B2C consumer brands? Join a panel of embedded‑finance experts as they share candid views on the biggest opportunities, the pitfalls to avoid, and what it takes to make banking “by default” a competitive advantage in 2026.

Speaker:
Michael Breen, Head of Money Management Sales and Revenue (EMEA), Stripe
David Twigg,
Financial Services MD, Frasers Group

09:55 – 10:30 – PLENARY SESSION: The digital payments debate

A fast‑paced session asking who really wins as payments become instant, invisible and intelligent. It challenges banks, fintechs and other stakeholders to share what they believe will have the greatest impact in a world of wallets, real‑time rails, stablecoins, tokenised deposits and CBDCs.

Speaker
Zil BareisisCelent 

10:30 – 10:50 – PLENARY KEYNOTE: There is no second page

As consumers and businesses increasingly turn to Gen AI tools to search for answers, product discovery is being rewritten around a single, conversational result rather than pages of links. This panel asks whether users will place their trust in AI over traditional search, how that will reshape education and research on available options, and what it means for brands that have relied on being “found” rather than actively recommended. AI is changing how we navigate digital commerce, and understanding that shift in discovery, trust and influence is now crucial for anyone designing products, journeys or go‑to‑market strategies.

10:50 – 11:20 – Networking and refreshments break

11:20 – 11:25 – Welcome to FTT Embedded Finance & Super-Apps Stage

11:25 – 12:00 – Embedded Finance for SMEs

This panel explores the specific challenges that SMEs face and how embedded finance can deliver better outcomes than traditional finance, from smoother cash‑flow to simpler access to credit. It brings together providers, platforms and SME champions to unpack real product examples, from embedded accounts and invoicing to payroll and payments, to demonstrate the concrete benefits these solutions can unlock for small and medium‑sized businesses.

Speaker
Isadora Turatti, Global Director, Partnerships & Expansion, BEES

12:00 – 12:35 – The marriage of convenience is over: Why your partnership strategy must evolve or expire

The old “build vs buy” debate has morphed into a high‑stakes game of co‑opetition, where a single customer journey can span non‑financial brands, BaaS enablers and licensed banks. This session asks where the buck really stops and explores the new pillars of effective collaboration: who holds regulatory liability, how data is orchestrated, whether tech and cultures are truly compatible, how revenue is shared, and where deep vertical specialisation will matter most.

Speaker
Michaela Weber, SVP, Business Development & GM of Payments, Big Commerce 
Luke Trayfoot, Global Head of Strategic Partnerships, YouLend

12:35 – 13:35 – Lunch and networking break

13:35 – 13:40 – Welcome back to FTT Embedded Finance & Super-Apps

13:40 – 14:40 – Embedded Finance Deep Dives (4 x 15-minute interviews)

13:40 – 13:55 – Embedded insurance

Embedded insurance is reshaping customer journeys, business models, and risk across sectors. Learn about the power of insurance integrated seamlessly at the point of need and the partnerships, data flows, and regulatory considerations that make those experiences work. Does the promise of higher conversion, more enduring loyalty, and greater lifetime value strike a chord?

13:55 – 14:10 – Embedded travel

Discover the power of seamless travel integrations, booking, checkout, or mid-journey. From e-commerce and mobility apps to fintech wallets and loyalty programs, learn more about the APIs, data partnerships, and compliance frameworks powering these frictionless experiences.

14:10 – 14:25 – Platforms/ marketplaces

Platforms and marketplaces represent some of the biggest opportunities for embedded finance growth, with massive, engaged customer bases and rich data insights as standout ingredients for success. Hear how leading brands are capitalising on this revenue potential.

Speaker:
Lusine Kuchukyan,
Senior Product Manager, Glovo

14:25 – 14:40 – Embedded wealth management

Embedded wealth management integrates investing, savings, pensions, and advice into non-financial platforms, offering significant benefits for providers, consumers, and businesses. Enhanced personalization through rich data insights leads to better recommendations and higher customer stickiness. Hear more about how it catalyses diversification for non-financial brands whilst improving accessibility for underserved users with lower-cost, digital-first products. 

14:40 – 15:10 – Networking and refreshments break

15:10 – 15:15 – Welcome back to FTT Embedded Finance & Super-Apps

15:15 – 15:50 – Build it and they will embed it

Embedded finance infrastructure powers the seamless integration of financial services into non-financial platforms. This panel brings together leading providers to unpack the APIs, orchestration layers, compliance engines, and data pipelines that enable scalable, secure embedded experiences. Discover how next-gen infrastructure reduces time-to-market, ensures regulatory resilience, and unlocks new revenue streams for brands and marketplaces.

Speaker
Andy Patton, Chief Executive Officer, Lycamoney 
Sean Hederman, Chief Technology Officer, Zilch 

15:50 – 16:25 – Embedded lending: Contextual credit at pace and scale

Embedded lending has evolved into AI-powered engines delivering precise credit within business and customer journeys, using real-time data like cash-flow and transactions for automated underwriting. This panel explores the power of making lending seamless, boosting conversions while navigating regulatory pressures and understanding the evolving ecosystem.

Speaker
Marc O’FathaighCountry Manager UK & Ireland, Klarna
Quim Ros Coronas,
Fintech Revenue Manager,Glovo

16:25 – 16:50 – Why did it fail and what can we learn?

“Failure isn’t fatal, but failure to change might be” (John Wooden).    

Why do some embedded finance ventures succeed while others crash? This candid session dissects real-world failures, from cultural mismatches and compliance blind spots to volatile market shifts and immature BaaS partnerships, while spotlighting the strategies that separate winners from wipeouts. Join this panel of embedded finance as they share lessons for the road ahead.

Moderator
Shaul David,
Embedded Finance Advisor 

Speaker
Sanjeev Pottay, Commercial Director, Financial Services, The Very Group 
Nanna Enggaard Bergmann, Managing Director, Moonrise by Lunar 

 

16:50 – 18:00 – Networking and drinks reception

16:50 – 16:55 – Closing remarks

Content, community & experiences

Look forward to lively conversations, new connections, and lots of embedded and good times

Iconic London

venue

FTT Embedded Finance & Super-Apps will take place at Convene 22 Bishopsgate.

The perfect space to experience our live content sessions and busy exhibition area, right in the heart of London.

Drinks

reception

Join us on the expo floor for a drinks reception, to finish off a day of inspiring content and smart networking. Discuss and debate what’s been covered on stage throughout the day, do a final sweep of the expo, and connect with anyone you haven’t had a chance to meet yet.

VIP Hosted Meetings

Programme

Fast-track access to the industry leaders and technology providers you want to meet with efficiency and ease. Look no further to strengthen existing partnerships and build new connections.

Co-located with

One event day, unlimited opportunities and an interconnected community

Customer Alpha is the only dedicated global community of brands, retailers, marketplaces, social platforms and technology enablers exploring strategies and new product streams designed to attract, retain, increase LTV and better serve the current and next generation of customers.

FTT Payments is dedicated to exploring the latest trends, technologies, and business model innovations across the payments industry creating a gateway to the future of transactions, offering a unique platform to learn, share, and shape the next wave of payment solutions.

Future Identity Customer will bring together 600+ key players in identity and customer experience to explore how consumer facing businesses in retail, gaming, mobility, entertainment, travel, healthcare and other key sectors, are approaching digital identity.

FID IAM brings together top minds to crack the code on everything from identity orchestration that makes friction vanish, IAM strategies that empower both employees and customers, and to cutting-edge solutions for managing the growing army of non-human identities.

Sponsorship & exhibition opportunities

Discover the unique sponsorship and exhibition opportunities available at FTT Embedded Finance & Super-Apps 2026. Click on the button below to find out more and how you can get involved.

What does our community think?

Zil Bareisis, Oliver Wyman Inc

"FTT Embedded Finance and Super-Apps always delivers; knowledgeable speakers offering great content, and excellent networking opportunities. Thank you, look forward to the next one!"

ZIL BAREISIS

CELENT

"I attend many conferences during the year, but the Embedded Finance & Super-Apps event is the only one that tackles the rapidly emerging area of the embedded finance space comprehensively, from all perspectives: creation, implementation, customer experience, etc."

JOHN POSSUMATO

DRIVEITAWAY

"I had a smooth and effortless experience speaking at the embedded finance conference with such a diverse and exciting crowd of attendees, fellow speakers, and operators in the fintech community. I would highly recommend it for anyone even loosely interested in the space and will certainly be back again next year!"

ABHISHEK GAMBHIR

CURVE

"I've attended many conferences and often spoken. VC Innovations clearly stands out as the best organiser which I have encountered, simply because: 1. there is true business matchmaking 2. the topics are truly innovative 3. the events are concise and to the point, and not dispersive. 4. the quality of speakers is great, there is always someone to learn from, and the spirit is collaborative."

LAWRENCE GILIOLI

LENDERWIZE

Embedded finance 2022

"Embedded finance is all about collaboration, so it was great to meet so many like-minded peers and potential partners."

CONRAD FORD

ALLICA BANK

Embedded finance 2022

"The venue was intimate which allowed for relevant networking and the exchanging of ideas. I was really impressed with the diversity of speakers and topics throughout the day; challenging the status quo, discussing blue ocean opportunities and articulating their call-to-action. It was an excellent event where not only the speakers, but all participants had a shared ambition to drive the financial industry forward."

GARRETT OLSON

WOLT

Industry partners

Fintech Futures

Contact us

Reach out to the Embedded Finance team with queries on how to get involved through sponsorship, exhibition, speaking or media partnership opportunities

Milana Vlaović
Community Manager

Sponsorship & exhibition enquiries

LinkedInEmail
Alicia Condon
Head of Marketing

Marketing & media enquiries

LinkedInEmail
Lisa Moyle
Chief Strategy Officer

Content & speaking enquiries

LinkedInEmail
Lance Morgan
Marketing Manager

Marketing & media enquiries

LinkedinEmail