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The 2026 Identity & Payments Summit IAF Mobile Driver’s License (mDL) Showcase is the ideal venue to elevate brand visibility and forge lasting connections and partnerships around your Organization’s mDL solutions. The Showcase offers opportunities for direct engagement with mDL Issuers, Technical Providers, and interested Relying Parties.
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Join us as we officially kick off the U.S. Payments Forum Member-Only Day at the Identity & Payments Summit in Houston. This opening session will set the stage for the day ahead, highlighting the Forum’s key accomplishments in 2025 and outlining strategic priorities for 2026.
The discussion will underscore the power of cross-industry collaboration and the role the Forum plays in convening diverse stakeholders to address evolving payments challenges. Attendees will gain insight into where the Forum is headed, how member engagement fuels impact, and why continued collaboration across the payments ecosystem remains essential to advancing innovation, security, and trust.
Devon Rohrer, U.S. Payments Forum
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Token lifecycle management continues to surface across multiple U.S. Payments Forum working committees as stakeholders navigate evolving issuance models, provisioning practices, and emerging fraud trends. As more cards are issued directly into mobile wallets and token provisioning becomes increasingly automated, gaps in understanding—and in execution—can create unintended risk.
This session will explore where education is most needed, how tokens should be provisioned and managed throughout their lifecycle, and what happens when processes break down. Speakers from Visa, Bank of America, and SHAZAM will share real-world perspectives on fraud upticks, operational challenges, and issuer and network considerations. Attendees will leave with a clearer understanding of lifecycle touchpoints, risk mitigation strategies, and areas where cross-industry collaboration is essential.
Mayra Ayotte, Visa; Brad Holland, Bank of America; Manish Nathwani, SHAZAM, Moderated by: Keri Crane, Jack Henry ™
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Agentic Commerce is rapidly moving from concept to real-world implementation, raising important questions around security, controls, accountability, and consumer trust. In this fireside chat, Forum members will share an inside look at the U.S. Payments Forum’s ongoing work in this space — including what we’re learning, where risks are emerging, and how the industry is thinking about guardrails for AI-driven commerce.
This conversational session will explore why Agentic Commerce demands cross-industry collaboration, how roles and responsibilities may evolve, and what priorities are shaping the Forum’s project roadmap. Attendees will gain insight into the thinking behind the work and have the opportunity to engage in dialogue about what comes next.
Deborah Baxley, PayGility Advisors; Willis Clow, Bank of America
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Adopting Mobile Driver’s Licenses (mDLs) may feel early — but starting now offers meaningful technical, business, and customer relationship advantages. As digital identity infrastructure continues to mature, organizations that begin piloting mDL acceptance today can position themselves ahead of the curve while solving real identity challenges in the present.
This session will explore the practical case for early adoption, including implementation considerations, internal business alignment, and customer experience benefits. Attendees will leave with a clearer understanding of why mDL matters now, how to build a compelling internal business case, and how to communicate adoption to customers in a way that builds trust and goodwill.
David Kelts, Decipher.id
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This member-only session convenes the Merchant and Issuer Special Interest Group in a neutral, collaborative forum designed for open dialogue and candid conversation. While the discussion centers on merchant and issuer priorities, all members are invited to join and engage in the broader ecosystem dynamics shaping payments today.
Rather than a presentation-led discussion, this SIG is driven by participants — creating space to surface shared challenges, emerging pain points, and timely industry issues. Attendees are encouraged to bring forward hot topics, recent experiences, and questions impacting their organizations. This session is designed to crowdsource priorities, increase cross-stakeholder understanding, and foster meaningful exchange across the payments ecosystem.
Led by Itai Sela, B2 Payment Solutions and Keri Crane, Jack Henry ™
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| Testing & Certification Working Committee Session
Join the Testing & Certification Working Committee for a collaborative working session focused on advancing new projects and addressing evolving industry needs. The committee will kick off two new initiatives — EMVCo C8 101 and EMV Regression vs. Recertification — designed to help clarify requirements and reduce confusion around testing pathways and certification expectations. The group will also review feedback gathered from the recent acquirer survey and discuss how those insights may shape future guidance or education efforts. As testing environments, specifications, and implementation timelines continue to evolve, attendees are encouraged to raise new concerns, share operational challenges, and help prioritize the committee’s next steps. Led by: Henk van Dam, Fime
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Emerging Payments Working Committee Session
Join the Emerging Payments Working Committee for a forward-looking working session focused on reviewing progress and setting the next wave of priorities. The group will begin with a look back at the past 12 months of completed and in-flight projects, followed by a revisit of high-interest pipeline topics including stablecoins, passkeys, verified credentials, cross-border wallets, recurring payment controls, and trusted onboarding and re-provisioning. The session will then shift into an active brainstorming and prioritization discussion, with the goal of shortlisting one to two topics to activate next. Members will collaborate to identify potential project leads, SOW owners, and supporting contributors. The session will conclude with clear next steps, ownership assignments, and timelines to move selected initiatives forward. Led by: Deborah Baxley, PayGility Advisors and Bradford Loewy, Bulloch Technologies by DFS
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Mobility and Transport Payments Working Committee
Join the Mobility and Transport Payments Working Committee for a foundational working session focused on clarifying scope, direction, and priorities under the committee’s new name and charter. The group will review the updated charter and engage in discussion to define what “mobility” and “transport” mean within the context of payments. Members will explore practical examples across transit, shared mobility, and broader transportation ecosystems to better understand how these categories intersect and where boundaries should be drawn. The session will focus on identifying areas of overlap, refining the committee’s scope, and aligning on how the group will position its work moving forward. Attendees are encouraged to contribute perspectives and help shape the committee’s evolving focus. Led by: Lawrence Sutton, Consult Hyperion |
Payments Fraud Working Committee
Join the Payments Fraud Working Committee for a collaborative working session focused on current initiatives and emerging fraud trends. The group will review ongoing projects and recent publications, including the EMV 3DS mini-series briefs, the machine learning podcast, the AI-related scams educational deck, and the Agentic Commerce white paper. The session will then open into an interactive discussion where members can share observations on evolving fraud patterns, emerging threats, and key risks to monitor in the coming year. Attendees are encouraged to bring forward hot topics, operational challenges, and ideas for future guidance as the committee continues to strengthen cross-industry fraud education and mitigation efforts. Led by: Megan Munroe, Visa |
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| Token Lifecycle Working Group Session
Led by: Brad Holland, Bank of America |
Petroleum Working Committee
Join the Petroleum Working Committee for a collaborative working session focused on advancing current initiatives and identifying emerging priorities in petroleum payments. The discussion will begin with a review of the Executive Summary released in January, followed by an open dialogue on whether the executive summary should be expanded or remain as published as is. Members will also explore potential next projects, including a proposed white paper examining the unique characteristics of petroleum payments. Additional working topics include implementation questions surrounding Illinois’ law on no interchange on taxes and tips, debit pre-authorization hold releases, and the potential impact of future incremental authorization changes. Attendees are encouraged to share insights, raise new concerns, and help shape the committee’s forward-looking agenda. Led by: Kara Gunderson, Circle K
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Communication & Education Working Committee
Join the Communication & Education Working Committee for a collaborative working session focused on advancing the Forum’s outreach, content strategy, and member engagement efforts. The group will review current projects and discuss the evolution of the Hot Topics podcast series, including opportunities to expand participation and recruit moderators. Members will also explore the upcoming Quantum Computing podcast series and discuss ways to strengthen outreach and coordination across working committees. Attendees are encouraged to share ideas, identify opportunities to contribute, and help shape how the Forum continues to educate the industry and amplify member-driven thought leadership. Led by: Mansour Karimzadeh, SCIL and David True, PayGility Advisors |
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| EV Open Payments Working Committee
Join the EV Open Payments Working Committee for a collaborative working session focused on shaping the committee’s 2026 project roadmap. Building on recent survey feedback, the group will discuss the top three proposed project ideas and capture initial perspectives on the challenges each topic is intended to address. Members will evaluate industry impact, implementation complexity, and cross-stakeholder relevance in order to determine which initiatives should move forward. This session is designed to gather input, surface considerations, and align on priorities so the committee can confidently activate its next set of projects for the year ahead. Led by: Nick Pisarev, Giesecke+Devrient |
Agentic Commerce Working Group Session
Led by: Bradford Loewy, Bulloch Technologies by DFS |
Debit Routing Working Committee
Led by: Manish Nathwani, SHAZAM |
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This session is a deep dive on impacts for online marketplaces: customer behavior, risks, and opportunities. Attendees will hear about Airbnb’s approach to implementing digital identification, receive an EU Regulatory Update including the state of play of eIDAS 2.0, national implementations across EU 27 Member States and early learnings from Airbnb’s EU implementations.
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Fraud has entered a new era—fueled by generative AI, synthetic identities, and biometric spoofing. Drawing from fintech risk leadership and AI strategy, Lucy unveils how identity threats evolve across lending, payments, and onboarding. She explores ethical implications of financial expression analysis, deepfake detection, and next-gen behavioral analytics. This keynote offers actionable insight for building trusted identity systems—defensible, inclusive, and resilient. Perfectly aligned with Secure Technology Alliance’s identity and fraud prevention track, this session arms leaders for the future of secure authentication.
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Visionaries in their respective fields of payments and identity, Cody and Jelena will discuss the trends that they are seeing across the payments and identity landscapes and how the two industries may converge.
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In this interactive session, Yash Shah of Credence ID and Fernando Herkenhoff of HID will discuss what the convergence of payments and identity in high-value purchases means for authentication, convenience, and fraud prevention. They will begin with introductions, then delve into use cases including hotel self-check-in, buy online – pick up store, and equipment and car rentals.
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Mobile driver’s licenses will scale when policy, governance, and privacy frameworks remove bottlenecks instead of adding them. This session argues that the success of privacy-preserving digital IDs hinges on real-world acceptance and lays out ways to accelerate adoption with guardrails that actually improve user outcomes.
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As generative AI rapidly improves, deepfakes have crossed the threshold of human perception—making it nearly impossible to distinguish real from fake. What was once an amusing novelty has become a powerful fraud weapon, capable of breaching onboarding systems, financial platforms, and even live interviews. This session explores how deepfakes exploit cognitive trust, how human review alone can no longer protect organizations, and how layered detection—combining behavioral, device, and biometric intelligence—can restore confidence in identity verification and payments.
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Hundreds of millions of W3C Verifiable Credentials are issued each year across global market verticals including education, retail, transportation, and financial services. In parallel, ISO mobile Driver’s Licenses (mDLs) are moving from pilots into production—often intersecting with, but not replacing, broader credential ecosystems.
This panel breaks down the practical differences between W3C Verifiable Credentials and ISO mDLs, where each is best suited, and how organizations are deploying both technologies at scale. Panelists will share real-world implementation insights, architectural considerations, and lessons learned from production environments.
Moving beyond the driver’s license use case, the discussion will focus on financial transactions and payment flows, examining how Verifiable Credentials and mDLs are being used to enable faster, more secure authentication, authorization, and trust establishment—ultimately reshaping how people transact across digital and physical channels.
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The session will discuss the multitude of ways that biometric identity verification can be combined with other services or processes to mitigate identity fraud across the enterprise. Use cases will include: identity fraud related to immigration fraud/employment verification; corporate espionage; and malignant nation-states.
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This session explores makes the distinction between biometric-initiated transactions (BITs) and Biometrics Authentication for Payments. While the industry has explored biometrics authentication for payments like the use of CDCVM and passkeys, today, there is a concrete move towards Biometrics Initiated Transactions (BIT) where the human body itself is becoming the most natural and secure way to pay. It is a natural and inevitable evolution of physical cash, cards, mobile, devices — Human.
The session will examine what it takes to scale Biometrics Initiated Transactions as well as what else is needed to create a globally interoperable network that accepts the human body as a form of payment initiation. It will also touch how a biometrics initiated transaction will not be tied to just cards as a payment method. In fact, biometrics initiation is the perfect vehicle to enable alternative payment methods at the Point of Interaction. While enabling new end to end use cases and experiences for the consumers and both topline and bottom line opportunities for merchants.
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As advances in digital identity and payments technology drive rapid change, EMVCo is collaborating with industry stakeholders across the world to support the continued development of EMV® Specifications and programmes that enable seamless and secure payments worldwide. This presentation will explore how the EMV Specifications are evolving to address:
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With the introduction of agentic commerce capabilities from AI providers, there is a flurry of questions from all participants in the ecosystem. Agentic commerce can be a true disruptor to the card payments environment, and all parties are key stakeholders in ensuring a stable and productive environment. This panel addresses key questions from the perspectives of a merchant, issuer/processor, and network.
High-level topics to be covered are –
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The future of banking hinges on the convergence of payments and identity. As fraudsters weaponize AI, including agentic AI, biometric spoofs, and deepfakes, traditional defenses are falling short. This session explores how banks can create trusted digital ecosystems by binding strong identity to every financial customer interaction – from sign-up to login to checkout. Gain insights into emerging fraud tactics, the role of identity-centric frameworks, and practical strategies to safeguard customers and financial institutions against next-generation AI-driven threats.
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Authentication is no longer just a security function, it’s a core part of the customer journey. In this session, experts from Vonage, IDEMIA, and Capital One examine how organizations are rethinking authentication to reduce friction while staying ahead of sophisticated fraud. From biometrics and behavioral signals to orchestration across channels, the panel will share insights on building authentication experiences that customers trust and regulators expect.
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As digital ecosystems evolve, the convergence of mobile technology, artificial intelligence, and authentication is redefining how trust is established in a connected world. This session explores how these three powerful forces are coming together to create seamless, secure, and personalized user experiences — from adaptive authentication powered by AI and next generation credentials that merge convenience with strong identity assurance.
We’ll look at the new business opportunities emerging from this convergence — including frictionless access, behavioral intelligence, and privacy-preserving identity models — and how organizations can leverage this intersection to drive both security and simplicity. Attendees will gain insight into the architectures, trends, and innovations shaping the future of digital trust, and how to strategically position their products and organizations to lead in this new era.
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Quantum Key Distribution (QKD) represents a fundamental shift in secure communications. Unlike traditional encryption methods that rely on complex mathematics, QKD uses the principles of quantum mechanics—particularly entanglement and the no-cloning theorem—to generate and share secret keys between parties with absolute security. This session explores how QKD works, why it’s considered unbreakable by classical or quantum computers, and what its adoption means for the future of cryptography and data protection.
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As cryptographic assets multiply across cloud and hybrid environments, many organizations struggle to maintain visibility and control. This session explores how to rein in cryptographic sprawl through integrated management of keys, certificates, and secrets – strengthening Zero Trust architectures and enabling a smooth, organized transition to post-quantum cryptography. Learn practical steps to modernize your cryptographic foundation and reduce operational risk.
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This session will discuss the current state of the mDL ecosystem, including jurisdictional mDL implementations and updates, Digital Trust Service participation, mDL use case exploration, Relying Party outreach and engagement, the number of mDLs in the ecosystem and will reveal strategies and lessons learned to promote the growth of the mDL ecosystem and capitalize on its successes.
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Public transit benefits programs are essential for equitable mobility, yet today’s manual eligibility processes are costly, fragmented, and prone to misuse. This session explores how digital identity transforms verification—streamlining access, protecting privacy, and linking benefits seamlessly with payments. As we work toward a “Frictionless Future” for mobility, we will showcase real-world transit pilots that illustrate how converging identity, payments, and trust frameworks deliver secure, user-centric travel experiences for the riders who need them most.
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Digital identity frameworks are rapidly maturing. In the USA mDLs are scaling with more than 10M expected to be issued soon; the EU member states have a 2026 deadline to adopt the EUDI wallets; while other countries including Australia, Japan and India are implementing solutions; multiple initiatives are underway looking for global interoperability. In this session, I will provide global DI developments and address challenges to build trust across borders such as adoption, interoperability, governance, testing and certification.
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Now is the time to join the other companies and state agencies realizing the efficiency, reliability, security, and cost savings of accepting mDL.
Join Georgia, Ohio, Virginia, New York, and other DMV’s in attendance to hear their plans, see their successes, and experience what they learned about mDL rollouts, adoption, and acceptance.
Learn the innovations and deployments that some US mDL Issuers want to see, the programs they have available to assist, and ways that you can be involved with your DMV..
Key Takeways:
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In a world where AI can generate convincing personas in seconds, how do we preserve what makes a professional identity authentic, unique, and credible? At LinkedIn, we’ve spent years evolving Member Identity beyond static profiles into a living, trust-based framework that empowers individuals while protecting the integrity of the professional ecosystem.
This talk introduces the AUC Framework — Authenticity, Uniqueness, and Credibility — a guiding model for the next generation of digital identity systems. It explores how LinkedIn operationalized this framework through its Identity and Profile infrastructure, enabling features like “Open to Work,” verified employment, and AI-assisted profile generation. The session will highlight architectural choices, trust guardrails, and lessons from scaling authenticity across a billion-member network — all while preparing for an AI-driven future of identity.
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Abhishek is on the Google Wallet team that builds digital mobile credentials like Digital Student ID, Corporate ID, Hotel Keys and Residential Keys. This presentation is about the current and future state of mobile digital credentials and how Google can play an important role in that transformation. It would also go into detail to explain how these mobile credentials are more private, secure and convenient than users think.
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Join Bank of America to explore how AI and automation are reshaping the payments ecosystem. From embedded payments to servicing, to workflow management tools, to back‑office claims processing, we’ll examine where automation is delivering the most value—and where it may introduce new risks. Are we striking the right balance between efficiency and human oversight? And what does “over‑automation” look like for the payments industry?
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How can we secure card-not-present transactions without adding friction? Explore a range of strategies that utilize the latest frictionless technologies and data signals, and the importance of a collaborative financial ecosystem in combatting emerging fraud and ensuring seamless user experiences:
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As mobile and contactless payment and fare systems expand, balancing convenience, total cost of ownership, and security becomes important. FiRa recently added various new features to its ultra-wideband (UWB) implementation, which adds a new dimension to several payment-related use cases. Be it to ease the retail checkout, toll collection or car park payments or open- and closed-loop ticketing, UWB enhances the user experience without compromising security. This session highlights real-world opportunities for payments stakeholders and transport operators to leverage UWB for faster, smarter, and more inclusive mobility.
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As automation reshapes the payments landscape, many fintechs have sacrificed service quality for speed. Ecrypt Inc. is redefining what “smarter, faster payments” mean by combining advanced processing technology with concierge-level, U.S.-based support. This session explores how human expertise and technology together create a high-trust ecosystem for merchants, improving compliance, chargeback management, and customer retention. Panelists will share insights into how proactive service models elevate merchant experience and mitigate operational risk.
Learning Objectives:
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The Transit Working Committee is pleased to announce a forward-looking session focused on shaping the future of mobility payments. As the industry moves beyond the initial implementation of open loop payments, the discussion is expanding to address the broader challenges and opportunities in regional mobility integration, including concessions, parking, and multi-modal journeys.
This session will be framed as an open invitation to the identity and payments community. Rather than presenting existing solutions, a diverse panel of leaders will outline the complex challenges and opportunities of the mobility sector. We invite you to join this vital conversation and lend your expertise to help foster innovation and shape the new direction of the Transit Working Committee.
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The payments industry moves trillions in value each year from $2 quadrillion in value flows, yet most transactions still lack real‑time, identity‑anchored assurance. Embedding verified digital identity into payments delivers stronger security, smoother customer experiences, and modernization across traditional, fintech, and crypto rails. By combining verifiable credentials, PKI, and biometrics, banks can streamline authentication, processors can reduce fraud with continuous identity signals, and emerging crypto architectures can enable compliance without sacrificing user freedom. As AI‑driven agentic commerce grows, identity‑bound authorization becomes essential for safe, auditable transactions. We will also discuss industry consortia and standards efforts that are now advancing these capabilities at scale.
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As emerging technologies like agentic AI, non-human identity, digital wallets, biometrics, and real-time payments gain momentum, the traditional boundaries between identity and payments are rapidly dissolving. Identity becomes a payment action. Payments become an identity signal. This convergence creates new opportunities—but also new leadership challenges.
This panel explores the convergence layer where identity and payments meet under AI-driven pressure, focusing not on tools or fear scenarios, but on decision clarity. Panelists will discuss where leaders must rethink authorization, oversight, recovery, and accountability—and how to move innovation forward responsibly without slowing progress.
Attendees will leave with practical guidance on how to pilot emerging technologies, design guardrails, and make better decisions over the next 90 days as AI reshapes trust at the point of transaction.
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As AI agents begin booking travel, negotiating prices, and making purchases autonomously, payments and identity ecosystems face a new trust challenge: Know Your Agent (KYA). This session explores the concept of KYA, to envision a trust and governance model for agent-driven transactions. Attendees will gain a forward-looking roadmap to prepare infrastructure, risk frameworks, and regulations for a future where agents act as customers.
Key takeaways:
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Fraudsters aren’t just targeting customers—they’re infiltrating companies themselves. This session reveals real-world cases where applicants used deepfakes and stolen identities during job interviews, based on Socure’s direct experience uncovering these attempts. We’ll unpack the red flags that gave them away, from inconsistent facial motion to mismatched PII, and explain how modern identity verification tools can help HR and IT teams safeguard hiring pipelines. Attendees will leave with actionable strategies to prevent deepfake-enabled insider threats.
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Generative AI fraud and escalating privacy mandates are reshaping the foundation of identity and payments. This session introduces the 2025 Prism Framework—integrating Fraud & Deepfake Resilience, Privacy & Compliance Integration, and Customer Experience Differentiation—to reveal how convergence, not silos, defines future-ready trust ecosystems. Attendees will learn how resilience, privacy, and seamless experience can co-exist to protect users and power the next generation of secure digital transactions.
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This presentation introduces the Process Turing Test, a new framework for distinguishing humans from AI that goes beyond linguistic output to analyze behavioral dynamics. As LLMs routinely pass text-based Turing Tests, we need methods that probe the underlying architecture of intelligence through perception, control, and decision-making patterns. Using process tracing data from canonical cognitive tasks (including Stroop, CAPTCHA, and moral dilemmas) we demonstrate how behavioral embeddings capture computational signatures unique to human cognition, providing robust proof-of-personhood that resists adversarial attacks while revealing fundamental principles about how humans and machines process information differently.
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As cryptocurrency payments—especially stablecoins—and Agentic AI continue to transform digital commerce, their offline potential remains largely untapped. With the convergence of online and offline experiences accelerating, the arrival of these innovations in retail is no longer a question of if—but when. In this transition, biometric verification will serve as the critical linchpin for a secure and seamless adoption. My session at 2026 Identity & Payments Summit will thoroughly explore the benefits, risks, key enablers, product framework and ecosystem collaboration needed to bring biometrics-powered crypto payments and Agentic AI into physical retail environments.
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