Money20/20 Europe 2026
Where the Future of Finance Takes Shape
Amsterdam returns as the center of the global fintech industry. Three days. Thousands of executives, founders, investors, and technology leaders. And the Smart Times team on the ground.
From June 2 to 4, Amsterdam becomes the center of the global financial technology industry. Money20/20 Europe returns to The RAI for three high-impact days where partnerships form, deals close, and the future of finance takes shape.
Recognized as Europe's leading fintech event and one of the most influential financial services conferences in the world, Money20/20 brings together the most consequential names in banking, payments, digital assets, and financial infrastructure. One in three attendees is C-suite. The conversations that happen here shape the direction of an industry that processes trillions of dollars of commerce every day — including the commerce that moves through every fashion, luxury, and retail brand this publication covers.
The Conversations That Define the Next Era
This year's agenda is organized around the forces reshaping financial services globally — forces that are simultaneously reshaping the fashion, luxury, and retail industries this publication tracks.
- Artificial Intelligence in Finance
- Embedded Finance
- Digital Assets & Crypto
- Operational Efficiency
- Next-Generation Infrastructure
- Agentic Commerce & Payments
- Regulatory Evolution
- Open Banking
Each of these themes maps directly onto the infrastructure transformation we have been tracking across fashion and luxury in 2026. Google's Universal Commerce Protocol, Visa's Trusted Agent Protocol, AWS's agentic payment rails with Coinbase, Replit's embedded payment tools — all of the agentic commerce infrastructure being built this year runs through the financial plumbing that Money20/20 is built to discuss. The event is where the rails being laid beneath the agentic economy get their institutional context.
The Leaders Setting the Direction
Money20/20 Europe 2026 brings together some of the most influential voices in global fintech and digital finance. Among the confirmed headline speakers:
The architect of Buy Now, Pay Later and one of Europe's most consequential fintech founders. Klarna has been at the leading edge of deploying AI across customer service and operations, reducing its customer service headcount while maintaining — and improving — service quality. Siemiatkowski is expected to share his perspective on the future of AI-powered commerce and what the next decade of payments looks like.
One of the most prominent voices in the digital asset industry at one of the most pivotal moments for institutional crypto adoption. With Charles Schwab now offering Bitcoin and Ethereum in 39 million brokerage accounts, and DeepSeek's permanent 75% AI cost cut accelerating the cost basis of crypto infrastructure, Sethi's perspective on where digital assets sit in the broader financial architecture is essential context.
Presenting "AI-Powered Investing: The New Retail Playbook" — exploring how artificial intelligence is reshaping how retail investors discover, evaluate, and execute investment decisions. eToro serves millions of retail investors globally and has been at the intersection of social investing and AI personalization for years. His session will define what the AI-native investing experience looks like for the next generation of participants.
The confirmed attendee roster spans the full breadth of the financial services ecosystem — from major banks and payment networks including Klarna, Stripe, Visa, Mastercard, Revolut, ING, JPMorgan, Deutsche Bank, NatWest, HSBC, ABN AMRO, BNP Paribas, Citi, Société Générale, Adyen, Worldline, and American Express to crypto infrastructure companies including Kraken, Ripple, and Circle. Nvidia is also among the confirmed attendees — a signal of how completely AI infrastructure and financial infrastructure have converged in 2026.
Leaders from Across the Financial Ecosystem
Among the senior executives confirmed to attend Money20/20 Europe 2026, representing organizations at the intersection of financial services transformation, treasury innovation, and business strategy:
These leaders represent the full range of institutions attending the event — from global management consulting and financial restructuring advisory through treasury management and financial operations to innovation consulting. Their presence reflects the diversity of Money20/20's community, where the conversation spans early-stage fintech founders, established financial institutions, and the advisory and transformation specialists who bridge the two.
UATech Finnovation Day:
The Founders' Forum Alongside Money20/20
Alongside Money20/20 Europe, fintech founders, investors, and innovators will gather at UATech Finnovation Day — a dedicated side event running parallel to the main conference, designed as a focused forum for meaningful conversations, new connections, and genuine exchange between members of the global fintech ecosystem.
UATech has established itself as one of the most active builder communities in the international fintech space, running a Venture Night series across global tech weeks in Barcelona, Bangkok, Vancouver, New York, Amsterdam, London, Paris, and Berlin throughout 2026. The Amsterdam edition during Money20/20 week is one of the most significant stops on that calendar — positioned to capture the concentrated energy of the world's leading fintech event and channel it into smaller, more intimate sessions where real conversations happen and real connections form.
"Designed as a space for meaningful conversations and new connections, UATech Finnovation Day brings together members of the global fintech ecosystem to exchange ideas, explore partnerships, and discuss what comes next for financial innovation."
UATech · Amsterdam, June 2026Among the confirmed sessions at UATech Finnovation Day, an expert panel presented in collaboration with Money20/20 week:
The panel addresses the defining challenge for every fintech that has cleared product-market fit: what breaks next? Team structure, regulatory complexity, capital efficiency, distribution — the post-PMF scaling questions that founders only encounter once but investors see every cycle. The panel brings together practitioners from identity verification (Identomat), card issuing infrastructure (Enfuce), and the Dutch fintech ecosystem (Holland Fintech Association), moderated by Svitlanka Sergiichuk of Neofin, who serves as Fintech Track Leader for the event.
The event is designed to complement the scale of Money20/20 with the intimacy and directness that founders and early-stage operators require — a space where the conversations that don't happen in a keynote hall can happen instead.
Why Money20/20 Matters for Fashion and Commerce
Smart Times covers the intersection of fashion, luxury, AI, and hard money. Money20/20 is where the financial infrastructure underpinning all four is built, debated, and deployed. This year's convergence between fintech and fashion commerce has never been more explicit.
Consider what has happened in the weeks leading into this event. Visa invested in Replit to embed its Trusted Agent Protocol at the code layer — so every AI agent built on Replit can make verified payments. Google launched the Universal Commerce Protocol with Amazon, Meta, Microsoft, and Stripe — a shared standard for AI agents to transact across the entire internet, with Nike, Sephora, Ulta Beauty, and Fenty already confirmed as retail partners. Robinhood launched agentic stock trading and filed for a second venture fund IPO. DeepSeek permanently cut AI costs by 75%, making the inference layer of every AI commerce system dramatically cheaper. Charles Schwab put Bitcoin and Ethereum into 39 million brokerage accounts.
All of these stories run through Money20/20's core themes. And all of them have direct implications for every fashion brand, luxury house, and beauty company in the Smart Fashion Council's universe — from how their products are discovered by AI agents to how they are paid for through autonomous systems, from how their treasury strategies might include digital assets to how their supply chain financing might be restructured by embedded lending infrastructure.
The Smart Times and UATech teams will be in Amsterdam to report on all of it — and to bring back the conversations and insights that matter most to this community.
"As financial institutions continue to face increasing pressure to modernize operations, leverage AI, and improve customer experiences, Money20/20 Europe remains one of the most important forums for industry leaders to exchange ideas, build partnerships, and explore new opportunities."
Money20/20 · Amsterdam 2026