Organizers: mDL Tech Integrations Working Group, Use Case Teams
9:00 am
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10:00 am
Platinum sponsor:
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IAF Members & Paid Non-member Participants. This will be organized and run by the mDL Technical Integrations Working Group for all members
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(if necessary)
Goals, capturing results, media capture, what attendees will be seeing…
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Summit Attendees watch continual demonstrations from each Use Case Team (Science Fair style)
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Join us as we kick off the U.S. Payments Forum Member Meeting, co-located with the Identity & Payments Summit in beautiful San Diego, CA. Christina Hulka, Executive Director of the Secure Technology Alliance, will set the stage for an engaging and insightful gathering of industry leaders.
In this opening session, we’ll highlight key themes shaping the future of payments and identity, set expectations for the discussions ahead, and celebrate the collaborative spirit that drives innovation in our industry. Don’t miss this opportunity to gain valuable insights and connect with peers as we embark on an exciting event together!
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As the payments landscape continues to evolve, facial recognition is emerging as a transformative technology, reshaping how consumers authenticate and complete transactions. This session will offer an expert perspective on the growing adoption and impact of facial recognition in payments, delivered by industry leader Allen Ganz. The discussion will encompass an overview of biometric payments, focusing on the United States and key markets worldwide and how facial recognition is enhancing payment security, convenience, and speed, offering a glimpse into the technology’s present and future potential. Leveraging real-world case study examples, attendees will gain insights into various touchpoints within the payment ecosystem, from contactless checkouts to enhanced fraud prevention, and learn how facial payments have been successfully deployed in diverse regions across the globe.
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Join EMVCo and the U.S. Payments Forum for an insightful discussion on the latest developments shaping the payments landscape. EMVCo will provide an overview of their key initiatives, including advancements in EMV 3DS, EMV SRC, and EV Open Payments. The session will then shift to a dynamic fireside chat, where both organizations will reflect on their longstanding collaboration, highlighting past successes and ongoing priorities. The Forum will also share their strategic goals, reinforcing the strength of their relationship with EMVCo and offering a forward-looking perspective on the future of the payments ecosystem.
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As the payments industry evolves, Mastercard is leading the charge by retiring the magnetic stripe—one of the longest-standing features of payment cards. In this insightful panel, Mastercard will share the key drivers behind this decision and what it means for the future of secure, seamless transactions.
Joining the discussion, Bank of America, Jack Henry™ and Best Buy will provide their unique perspectives on how this shift impacts the broader payments ecosystem. From enhanced security to operational considerations, panelists will explore the opportunities and challenges that come with saying goodbye to the magstripe. Don’t miss this engaging conversation on the next chapter of card payments and what it means for businesses and consumers alike.
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As digital security evolves, passkeys are emerging as a game-changer in authentication and fraud prevention. But what exactly are passkeys, and how will they reshape the payments landscape?
In this essential “Payments and Passkeys 101” session, industry experts will break down the fundamentals of passkeys, their role in enhancing security, and the opportunities they create for businesses and consumers. Whether you’re an issuer, merchant, or payment service provider, this discussion will provide critical insights into how passkeys are shaping a new era of secure, seamless transactions.
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EMV 3-D Secure (3DS) is readily available, yet adoption across the payments ecosystem remains inconsistent. With significant investment poured into its development, why aren’t more players fully leveraging this technology?
In this insightful panel, industry experts will explore who is embracing 3DS, who isn’t, and the key factors influencing adoption. From security benefits to operational challenges, we’ll examine the barriers preventing wider implementation and discuss what’s needed to drive greater usage. Join us as we uncover actionable insights to help businesses, issuers, and merchants maximize the potential of 3DS in securing digital transactions.
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U.S. Payments Forum meeting attendees are invited to experience the cutting edge of digital identity at the mDL Technology Showcase, part of the Identity & Payments Summit. This interactive showcase offers a firsthand look at how mobile driver’s licenses (mDLs) are shaping the future of secure, seamless identity verification.
Explore live demonstrations, engage with industry experts, and discover the real-world applications of mDLs across payments, retail, travel, and beyond. Whether you’re assessing implementation strategies or curious about the impact on customer experiences, this showcase provides valuable insights into the evolving digital identity landscape. Don’t miss this opportunity to stay ahead in the next era of identity and payments innovation!
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Join industry leaders Joe Vasterling (Best Buy) and Sara Walsh (Bank of America) for an open and collaborative discussion tailored to the unique challenges faced by merchants and issuers. This session provides a neutral forum to explore key pain points, share insights, and evaluate strategies for the successful adoption of new payment technologies. Whether you’re navigating evolving regulations, optimizing customer experiences, or integrating innovative solutions, this SIG is your opportunity to engage with peers and drive meaningful progress in the payments ecosystem.
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Digital Credentials are a powerful new tool emerging to reduce fraud, cut costs, and realize new business opportunities. Simon Hurry (VP NA Product, VISA) and Luke McIntyre (Chief Product Officer, MATTR), join facilitator Joel Semmelhack (Chief Revenue Officer, MATTR) to explore how these tools will tackle threats like deepfakes and AI-driven fraud at scale.
Join us for a forward-looking discussion on leveraging the latest methods and technologies to drive trust, efficiency, and innovation in the evolving payments and identity landscape.
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The convergence of DigitalID/Mobile Identity and Biometric Authentication will supercharge continued consumer adoption of mobile wallet as well as wallet market share of payments. How can payment stack participants identify the strategic levers that will overcome chokepoints and seize the opportunities to shape adoption and acceptance patterns rather than be shaped by them?
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Payments, mDLs, government IDs, and other credentials are finding their way into commercial, government, and OS wallets. What is the architecture and timeline for open wallets holding multiple credentials in the control of end-users. What vision do these wallet plans implement? How and why do Relying Parties want to start right now and is it safe to start?
Ajay Gupta – California DMV, plans for a competitive wallet app from the largest US State and 4th largest world economy.
Gail Hodges – OpenID Foundation, how can relying parties get in front of the wallet revolution? How does Open ID glue our credentials together?
Simon Hurry – VISA, What ensures that businesses trust our ID? How does the world trust our mobile document issuers at scale and fully interoperable?
Kaliya Young – @IdentityWoman In Business, how do credential types fit together? How do collaborative wallet ecosystems benefit us?
David Kelts – moderator
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Ready to uncover the secrets behind thwarting fraudsters and safeguarding your business? Join us for an interactive panel discussion featuring a powerhouse panel of fraud-fighting experts who’ve battled the trickiest of fraudsters and emerged victorious. Session Takeaways:
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When designing an enterprise Identity and Access Management roadmap, it’s essential to consider not just the technologies of today but also those that will shape the future of digital security. Mobile Driver’s Licenses (mDLs), security convergence, passkey, verifiable digital credentials, identity wallet, Gen-AI resilient identity proofing and PQC migration are some of the key components that need to be considered to future-proof your organization’s identity management strategy.
As organizations increasingly embrace hybrid work environments and digital services, securing user identities has become more complex and critical. Enterprise Identity systems are increasingly vulnerable to evolving threats, necessitating a paradigm shift in how we plan for the organization’s identity and access management (IAM) roadmap. This session will offer an overview of how enterprises can evolve their IAM systems by integrating modern identity technologies, including cryptographic smart cards, mobile Driver’s Licenses (mDLs), resilient identity proofing against generative AI, multi-factor authentication (MFA) such as passkey, and Post-Quantum Cryptography (PQC) migration with crypto-agility.
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The problems with “selfie registration” (aka onboarding, mKYC, IDV) are becoming apparent to those who depend on it and to consumers who are being asked often to front/back/selfie. We will enumerate some of them based on existing analysis.
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What is possible now and in the near future to resolve some of these IDV challenges? What technology and concepts on the near horizon can improve the user experience and accuracy of IDV.
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Key standards and specifications that are defining how mDLs will work in practice, especially as individuals start using them in online transactions. This session dives into the specifications defining how individuals can interact with digital wallets and mDLs. This session will demonstrate the user experiences and how it looks and behaves in practice. The work on the Digital Credentials API (which has a lot of common ground with FIDO Passkeys) will directly impact how credentials in both application wallets and native wallets are shown to the individual holder and how cross-device experiences might work.
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Over 20% of Americans still depend primarily on cash for payments and everyday spending. This session will take a look at how payment habits have changed, but continue to include cash – facilitated by digital technology.
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With the growth and evolution of the payments landscape, payment fraud has transformed as well; the impact to the ecosystem extends far beyond monetary losses. The Federal Reserve’s Payments System Improvement team works closely with the payments industry to help identify and understand the latest fraud trends, identify potential challenges, and collaborate on potential solutions. In this session, we will discuss:
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This is a dynamic session where we construct a robust Risk Management Program using the principles of Jenga, the classic block-stacking game. Learn how to strategically assess and address the foundational elements of risk in the payments industry, ensuring each piece of your program is aligned for stability and resilience. Discover innovative approaches to risk mitigation that can adapt to the ever-changing financial landscape, safeguarding your operations against potential threats. This interactive workshop will equip you with the tools to build and maintain a risk management structure that, unlike a Jenga tower, won’t topple over when faced with the unexpected.
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Locating Criminal Activity: Using geolocation technology and multi-layered, automated systems that leverage machine learning and scoring models to combat fraud based on confirmed fraudulent accounts to identify physical hotspots where fraudsters frequently load stolen credit cards into mobile wallets. Geofencing: When an event occurs within a geofenced area, the use of service tags with associated attributes automates blocking of user accounts, tokens, cards, and devices to harness and proactively prevent fraud across 53% of the convenience retail and fuels marketing industry. Using AI and Continuous Learning Models: Automation and direct integration with acquirers to pull chargeback data, blocking fraudsters and continuously updating fraud models, and ensuring constant adaptation to new fraud patterns based on real-time fraud data, dynamically adapting to evolving payment methods, behaviors, patterns, and locations to detect fraud rings. Supporting Law Enforcement: Sharing insights and data with local law enforcement task forces to stop fraudsters and extend fraud prevention efforts with situational and geolocation data.
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This presentation will cover AAMVA’s role in the mDL ecosystem including Issuing Authority support, Relying Party value propositions, the Digital Trust Service, and how the industry can work together to expand the consumption of mDLs in North America. It will also include a visual mapping of the mDL landscape, discuss the percentage of jurisdictions in the process of developing their mDL programs, and the challenges and opportunities we face as we tread in the delicate mDL ecosystem.
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Writing standards and best practices is fundamental for establishing clear frameworks to inform how we think about and understand identity. But the true value of standards lies in their application. To help industry realize this value NIST’s National Cybersecurity Center of Excellence (NCCoE) is collaborating with industry to help accelerate the adoption of standards and best practices around mDL deployments. Join us for an overview of the NIST NCCoE project, a discussion on early lessons learned from our industry collaboration and highlights of the key areas that will influence NIST guidance around mDL deployment.
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Over a decade ago, the U.S. payments industry began the migration of credit and debit cards to EMV chip technology. While chip cards are now commonplace in the U.S., not all types of payments cards made that journey. In 2023, stakeholders across the ecosystem came together to improve security of EBT cards by implementing chip technology. This presentation provides perspectives on the process, changes and challenges of the SNAP migration and how it both is similar to and different from the credit/debit card migration.
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Tap To Phone is one of the new trends that is shaping the payment industry. It introduces a hybrid user experience, blending the convenience of traditional card payments with the power of mobile technology. From accessing banking accounts, proceeding with sensitive operations, performing authentication for account recovery to validating e-commerce transactions, relying on Tap To Phone technologies can ensure secure operations whether initiated from a mobile device or the web. With Tap To Phone a mobile can be turned into an acceptance device, by merchant or by consumer in the context of peer-to-peer payments.
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Join François Mezzina as he explores how nexo standards helps TotalEnergies transformed its global payments strategy, providing ROI, cost savings and enabling frictionless expansion while driving efficiency, innovation, and scalability. Expanding into new markets comes with payment complexities—but it doesn’t have to. nexo standards provides a global, open, and standardized payment acceptance framework. For payment players expanding their offering, nexo simplifies integration, reduces operational costs, time-to-market and ensures seamless transactions, making deployments more efficient and scalable.
Visit the exhibit hall to discover how nexo standards can support your business needs! Our team, including François Mezzina & Normand Provost, will be available to discuss industry trends, payment innovations, and the future of digital identity.
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Rebel Payments Mobility Insights (RPMI) is a consulting firm focused on public-private partnerhsips. Part of the work is to help government agencies with the implementation and management of subsidy programs centered around debit card-based solutions. These programs are designed to empower underbanked and unbanked citizens in economically disadvantaged communities, providing them access to sustainable mobility options including electric vehicles, public transit, and micro-mobility services.
In this presentation, RPMI will explore the advantages and challenges associated with subsidy distribution in the mobility sector. Drawing from their extensive experience and data-driven approach, RPMI will offer valuable insights into the usability of EV charging infrastructure and highlight the crucial role of Merchant Category Codes (MCCs) across various mobility modes, such as scooter, bike, and car-sharing services.
Leveraging transaction data collected from these programs, RPMI will present data-based insights and actionable recommendations aimed at enhancing cashless payment systems within the realm of sustainable mobility. This presentation promises to deliver valuable knowledge for the payment industry seeking to optimize solutions for subsidy programs and promote equitable access to eco-friendly transportation options.
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The security concerns and risks for data exposure are real, but not hopeless. Organizations can take actions now to address the threats posed by quantum computing in order to protect their data, and their customers data. This fireside chat will quickly review the basics about keys, and data (including data in transit, on disk, or ephemeral), before moving into the action items companies should take today. We will help you demonstrate cryptoagility by staying informed, being proactive, and adapting to the evolving threat landscape of cryptography and data security. By attending, organizations can better protect their most sensitive and crucial data.
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In this session, we will discuss the learnings from the digital identity initiatives in Europe, UK, Australia and New Zealand. Their digital identity ecosystems are using and piloting multi-purpose, public and private wallets, with decentralized storage of credentials.
The diversity of digital identity systems in these countries, as well as diversity of payment methods pose unique challenges, but also enable innovative payment-related use cases.
Significant steps related to payment authentication or account opening pave the way to efficient processing of payments in environments requiring age verification or photo ID.
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