Open Banking Expo UK & Europe 2026

Open Banking Expo UK & Europe is one of the pivotal gatherings for everyone shaping the future of data-driven finance, payments, and customer experiences. With the UK progressing towards its future open banking entity and the EU moving from PSD2 to PSD3/PSR, 2026 is a watershed year for rulemaking, standards and commercial adoption. This event convenes policy leads, product owners and technologists to translate these regulatory shifts into real use cases—from account-to-account payments at checkout and Variable Recurring Payments (VRP), to smarter credit, underwriting and personalised money management powered by consented data.

For product and operations leaders, the Expo provides hands-on insight into implementing instant payments across Faster Payments and SEPA Instant, strengthening API security, and building fraud and scam controls that satisfy regulators while minimising friction. For commercial teams, it surfaces viable monetisation models for premium APIs, data services and embedded finance propositions. And for compliance and risk stakeholders, it is a rare forum to interrogate Consumer Duty outcomes, liability frameworks, and KYC/AML innovations alongside peers and supervisors.

For Xace’s community of fintechs, marketplaces and digital platforms, the conversations at Open Banking Expo directly impact roadmap priorities: how to migrate volumes to A2A, where VRP is heading beyond sweeping, and how to stitch multi-currency treasury, reconciliation and compliance into resilient operating models. The event’s concentration of decision-makers makes it an efficient place to validate strategies and form the partnerships that will define the next phase of open finance.

Industry Relevance

The Expo aligns with several 2026 inflection points for fintech. Europe’s Instant Payments Regulation moves from policy to day‑to‑day reality, pressing firms to upgrade settlement, liquidity and reconciliation across SEPA Instant and ISO 20022. In parallel, the UK’s PSR and JROC workstreams are advancing the open banking roadmap—expanding VRP, improving dispute and refund mechanisms, and raising standards for API performance and availability. Meanwhile, PSD3/PSR in the EU reshapes licensing and access to data, authentication, and fraud liability—affecting product design and cross‑border operating models.

Fintechs are also accelerating embedded finance and account-to-account payments to reduce card costs and latency, while banks look to premium data and consented analytics to unlock new revenue. Heightened APP fraud obligations and Consumer Duty outcomes demand better anomaly detection, confirmation-of-payee coverage, and explainable decisioning.

For Xace clients and partners, these shifts inform how to optimise multi-rail payment strategies, orchestrate KYC/AML with user experience, and operationalise commercial VRP. Insights from the Expo help teams prioritise build-versus-buy decisions, align compliance roadmaps with market standards, and form integrations that reduce time-to-market across the UK and Europe.

Our Coverage

The Xace team plans to attend both days at the Business Design Centre in London. If you’ll be on site, we’d love to meet to discuss your open banking roadmap—A2A payments and VRP readiness, multi-currency account structures, SEPA/Faster Payments operations, reconciliation, API connectivity, and compliance workflows. Request a meeting ahead of time via our contact page and we’ll confirm a slot that aligns with your agenda. Can’t meet in person? We’re happy to arrange a virtual follow-up and will publish a concise post‑event recap with key takeaways for product, payments and compliance leaders.

Key Topics

• PSD3/PSR and the UK future open banking entity

• Variable Recurring Payments (VRP) and A2A checkout adoption

• Instant payments across Faster Payments and SEPA Instant

• Open finance: consented data sharing and monetisation

• API standards, resilience, security and fraud/APP scam prevention

• Consumer Duty, disputes, and liability frameworks

• Digital identity, KYC/AML innovation and trust frameworks

• Embedded finance and Banking-as-a-Service risk management