AI dominated plenty of the debate at Money20/20 Europe 2026, but Julian Farley, Sales Director for the UK and EU at BPC, is cautious about how much of it is genuinely new.
Fraud detection and smarter payment routing have relied on machine learning for years, while some of the biggest changes are now appearing in customer service and the early development of agentic commerce.
Julian looks at how AI agents could move from finding products to completing purchases, and why trust, permissions and payment credentials will be central to making that work. He also explains how BPC is preparing across both issuing and acquiring, including new card models, e-commerce gateways and AI-driven fraud controls.
Beyond AI, he considers how banking and payments are evolving as challenger banks broaden their services and account-to-account payments gain ground alongside cards.
Watch Julian at Money20/20 Europe 2026
