The largest and most hotly anticipated fintech event, Money20/20 USA, returns to Las Vegas this year with the theme Human X Machine. Running Sunday, October 27 through Wednesday, October 30 and hosted at The Venetian Resort, this year’s conference will dive deep into the collaboration between human ingenuity and machine intelligence that is transforming the financial industry. 

Clearly, artificial intelligence and machine learning are on everyone’s minds. However, there’s more to Money20/20 USA 2024. A LOT more.

To help you make the most of your time there — or decide whether to register (there’s still time!) — we took a deep dive into the key themes, sessions, events and parties taking place at Money20/20 this year.

How 2024 Builds On Years Past

If you’ve been following Money20/20, you know that each year explores an ongoing industry conversation. 

In 2022, finance’s biggest conference focused on themes like vulnerability and chain reactions, framing conversations around adapting to a volatile world and understanding the ripple effects of change. Then came 2023, which shifted gears to focus on trust, sustainable growth and practical solutions. This was a year of hard resets — moving from “growth at all costs” to “let’s build something that lasts.” 

Now the focus is on bringing innovation to life, with AI and machine learning taking center stage. The question is no longer whether we’ll use AI; it’s how well we’ll integrate it into our lives.

What to Expect from the 2024 Agenda

Of course, with more than 350 speakers, there are plenty of general business sessions, but several key themes emerge for 2024. Here, we look at four of the most prominent.

1. AI Everywhere: The Future of Financial Services

Whether it’s real-time fraud detection or AI-powered chatbots helping customers, financial institutions are using AI to make operations more efficient and customer experiences more personal. Expect sessions exploring how machine learning is driving credit risk assessments and automating compliance, taking pressure off human teams while making processes faster and more accurate.

It’s not just about throwing AI at every problem, though. A big part of the conversation will focus on responsible AI. How can we deploy these technologies transparently, without bias, and in ways that foster trust? The companies that will dominate in the future are figuring out where human expertise matters most and where machines can take over, whether that’s eliminating tedious administrative tasks or providing consumers with a more personalized experience.

While there’s certainly overlap across these themes, here are a handful of noteworthy sessions on AI. (See below for other AI-related sessions.)

Sunday, October 27, 2024

AI at Scale: Lessons from an Industry Leader
10:05 a.m. | Galileo – 1001-1004, Level 1 | 25 minutes

Speakers: Emily Glassberg Sands, Stripe; Kevin Levitt, NVIDIA

This session will examine how enterprises can harness AI at scale to drive innovation, improve customer service and fuel growth.

Generative AI Use Cases in Financial Services
10:42 a.m. | Galileo – 1001-1004, Level 1 | 25 minutes

Speakers: Dondi Black, TSYS; Greg Ulrich, Mastercard; Prem Natarajan, Capital One

This session explores how generative AI is being used to create hyper-personalized customer experiences, optimize risk assessment models and drive growth.

Where to Start: How to Think About Your AI Testing and Implementation Strategy
12:33 p.m. | Galileo – 1001-1004, Level 1 | 25 minutes

Speakers: Chris Harrison, Oracle; Ganesh Bhat, Citi; Morgan Klein-MacNeil, TD Bank

This session delve into how companies can turn AI into a business advantage by aligning technology with strategy, culture and execution, addressing challenges from pilot projects to full deployment.

Tuesday, October 29, 2024

Customer-First Strategies in the Era of AI
9:30 a.m. | The Sentient Stage | 30 minutes

Speakers: Suzanne Dann, Wipro; Karen Del Vescovo, Microsoft; Mia Huntington, U.S. Bank; Christine Bourbon, Designit

This session will examine ways banks can balance AI-driven innovation with a customer-first approach, focusing on transparency, ethical standards and maintaining trust.

AI + Trust = Personalized Commerce Experiences
11:15 a.m. | The Sentient Stage | 20 minutes

Speakers: Frank Keller, PayPal; Luisa Beltran, Fortune

This session will take a closer look at how AI can balance personalization with privacy by building trust through secure data sharing, creating customized shopping experiences that drive commerce forward.

The Real Disruption in Retail Financial Services — Customers Getting AI!
11:20 a.m. | Off the Record Stage | 40 minutes

Speakers: Matt Harris, Bain Capital Ventures; Dave Birch, Consult Hyperion; Kirsty Rutter, Lloyds Banking Group

This session will explore how the rise of customer-facing AI poses a direct challenge to the traditional retail banking model, emphasizing the need for financial institutions to develop strategies that keep pace with increasing customer intelligence.

Navigating the New Era of Hyper-Personalization: Ensuring Identity Verification in the Age of AI
1:10 p.m. | The Sentient Stage | 20 minutes

Speakers: Rodger Desai, Prove Identity; Theresa Payton, Fortalice Solutions; Zachary Anderson Pettet, Money20/20

This session will look at strategies for verifying identity and combating fraud in the era of hyper-personalization, focusing on tools like biometric authentication and blockchain, while addressing the ethical balance between personalization and privacy.

Gen AI Agents: Your New Work BFF?
3:20 p.m. | The MoneyPot Activation Stage | 40 minutes

Speakers: John Froese, Google; Szabolcs Paldy, Discover Financial Services

This panel explores how generative AI can boost productivity by automating workflows, enhancing customer service and sparking new ideas, giving teams a competitive edge.

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2. Embedded Finance and the Future of Payments

Embedded finance is reshaping how people interact with financial services, while real-time and instant payment solutions are helping to facilitate these offerings by making transactions smoother and faster. It’s no longer just banks and fintechs leading the charge, either.

Retailers, marketplaces and more are all integrating payments, lending, insurance and loyalty programs directly into their platforms. Think buy-now-pay-later (BNPL) options at checkout or micro-insurance bundled with travel bookings. These seamless experiences keep customers engaged, create new ways for businesses to generate revenue and enable unbanked consumers to complete transactions regardless of internet connections.

Instant payments also play a key role in embedded services. From gig economy platforms offering immediate payouts to BNPL providers relying on fast payment rails, consumers now expect speed and convenience more than ever before. As financial services become more deeply embedded into everyday platforms, the demand for faster payment networks continues to grow.

At Money20/20 USA 2024, sessions will explore the intersection of embedded finance and payment innovation, offering insights into how companies are integrating financial services into their platforms and leveraging real-time payment networks to meet rising customer expectations.

Relevant sessions include:

Sunday, October 27, 2024

The Rise of Instant Payments
12:30 p.m. | Casanova – 505-507, Level 1, Casanova, Level 1 | 30 minutes

Speakers: Dimitri Dadiomov, Modern Treasury; Mark Gould, Federal Reserve Financial Services

This session will look at how instant payments improve cash flow, streamline operations and optimize B2B and B2C transactions through real-world applications.

Monday, October 28, 2024

Advancing Embedded Finance in an Era of Uncertainty
1:15 p.m. | The MoneyPot Activation Stage | 1 hour

Speakers: Johnny Ayers, Socure; Renata Caine, Green Dot; Erin Pursell, Visa; Eric Sager, Plaid

This session will explore how leaders are navigating the challenges of embedded finance, highlighting insights from a new industry study on the value propositions, risks, opportunities and policy implications shaping its future.

Faster Payments — The Networks Want You to Build Applications

2:20 p.m. | The Exchange Stage | 30 minutes

Speakers: Bernadette Ksepka, Federal Reserve Bank of Boston; Margaret Weichert, The Clearing House; Peter Tapling, PTap Advisory LLC; Stephanie Prebish, Nacha

This panel will focus on how banks and fintechs can create applications that unlock the value of faster and instant payments for consumers, businesses and governments.

Payments Cartography: Exploring Emerging Frontiers

4:10 p.m. | The Converge Stage | 30 minutes

Speakers: Peter Davey; Rebolt Financial Technologies; Chris Rennie, Fiserv; Elena Casal, The Clearing House; Christine Golden, Q2

This session will delve into innovations like embedded finance and biometric payments, along with the regulatory challenges and opportunities shaping the future of payments.

Tuesday, October 29, 2024

How Embedded Payments, AI and Private Capital Can Reshape Consumer Lending
10:05 a.m. | The Sentient Stage | 30 minutes

Speakers: Andrea Lee, Jefferies; Nicole Valentine, Milken Institute; Terry O’Neil, Citi

This session will explore how embedded payments, AI and private capital are transforming consumer lending by improving credit decisions, expanding access and enhancing point-of-sale customer experiences.

Instant Payments….The Time Is Now
10:40 a.m. | The Converge Stage | 30 minutes

Speakers: Kristin Walle, ADP; Nell Campbell-Drake, Svcs; James Colassano, The Clearing House; Sarah Billings, PNC Bank

This panel will examine the growing demand for faster payments, focusing on solutions like Early Direct Deposit and Earned Wage Access (EWA) and how instant payments are shaping the future of payroll.

Real-Life Scenarios & Uses for Real-Time Payments

11 a.m. | The MoneyPot Activation Stage | 30 minutes

Speakers: Margaret Weichert, The Clearing House; Tom Halpin, HSBC Bank USA

This session will explore practical applications of real-time payments, offering insights into adoption challenges, real-world use cases and how businesses can leverage payment data.

Moving Money to Drive Financial Equity and Inclusion
2:10 p.m. | The Exchange Stage | 30 minutes

Speakers: Nick Stanescu, Federal Reserve Bank of Boston; Yanilsa Gonzalez-Ore, Visa; Stacy Greiner, DailyPay; Elena Casal, The Clearing House

This session will look at ways payment innovations empower employees with faster access to wages, helping them pay bills on time and avoid costly financial products like payday loans and overdraft fees.

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3. Fraud Prevention, Privacy and Managing Risk

As finance grows ever more complex, fraud prevention, privacy and risk management have become more important than ever. At Money20/20 USA 2024, sessions will explore how companies are tackling these challenges while meeting consumer expectations for frictionless experiences. With increasing pressure to stay ahead of evolving fraud tactics — such as AI-generated fraud and deepfakes — businesses must develop advanced solutions to protect their operations and customers.

Sessions will cover everything from AI-powered fraud detection to strategies for mitigating risks, all while balancing evolving privacy demands and ensuring a frictionless user experience.

Sunday, October 27, 2024

Judgment Day: Balancing the Benefits of AI with Regulatory Risks
10:55 a.m. | Marco Polo – 705-707, Level 1 | 30 minutes

Speakers: Juan Azel, Winston & Strawn LLP; Amy Pugh, Green Dot Corporation; Jesse Honigberg, Customers Bank

This session will look at the ways banks and financial institutions can leverage AI for fraud detection, customer service, and credit assessments while navigating regulatory risks, addressing biases, ensuring privacy and maintaining transparency.

Next-Gen Fraud Prevention for the Age of Faster Money Movement
12 p.m. | Casanova – 505-507, Level 1, Casanova, Level 1 | 35 minutes

Speakers: Brian Dammeir, Plaid; Bernadette Kspeka, Federal Reserve Bank of Boston; Penny Lee, FTA; Nicole Lauredan, Stripe

This session will explore how faster money movement demands digitally native fraud prevention and smart regulation to keep pace with evolving scams.

Monday, October 28, 2024

Fraudwatch: Money2020 Special Edition
1:50 p.m. | The MoneyPot Podcast Stage #2 | 50 minutes

Podcast: Sherri Haymond, Mastercard; Christopher Uriarte, Glenbrook Partners; Ranjita Iyer, Mastercard

This session offers a special edition of Fraudwatch, delivering the latest insights and trends in payments, fraud, risk management, cybersecurity and identity verification.

Fighting Fraud in an AI-First World
2:10 p.m. | The Sentient Stage | 30 minutes

Speakers: Andrea Gallego, Google Cloud; Alexandra Ebert, MOSTLY AI; Jason Rosado, BNY; Chalapathy Neti, Swift

This session will look at the ways financial institutions can collaborate using AI and privacy-enhancing technologies to combat fraud, overcoming the challenges of limited data sharing and rising threats from GenAI-powered scams.

Tuesday, October 29, 2024

The Global Scale of Money Laundering
9:30 a.m. | The Converge Stage | 30 minutes

Podcast: Valerie-Leila Jaber, Coinbase; Thephil Russelliah Roby, Onbe; Matt Shustrin, eBay Payments; Kiran Kumar, Trulioo

This session will highlight how companies in payments, crypto and ecommerce are taking proactive measures to prevent money laundering and terrorism financing, serving as the first line of defense before law enforcement steps in.

The Next Wave in Fraud Prevention: Leveraging Device Signals
11:15 a.m. | The Converge Stage | 25 minutes

Podcast: Tselmeg Shponko, SoFi; Marco Stotani, GeoComply; Brad Craft, DraftKings; Lauren Boeckle, Skillz

This session will explore how advanced device signals — like geolocation tracking, device integrity assessments and real-time transaction analysis — can strengthen fraud prevention and compliance by offering a more robust view of user authenticity.

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4. Navigating Compliance in an Evolving Landscape

As regulations grow ever more complex, financial institutions must stay agile. That means building compliance frameworks that support innovation rather than stifling it, with systems designed to evolve alongside new regulatory demands and foster long-term trust. 

At Money20/20 USA, sessions will explore not only how companies can streamline compliance processes, reduce manual workloads and adapt to new regulations, but also how they can combat new fraud threats caused by AI — such as deepfakes and identity fraud. 

Sunday, October 27, 2024

Boring Done Better: Compliance — The Barrier and the Key to $$$
11:20 a.m. | Marco Polo – 701-703, Level 1 | 25 minutes

Podcast: Neepa Patel, Themis; Jillian Williams, Cowboy Ventures; Allen Osgood, Eisen

This session will highlight overlooked innovations like RegTech and escheatment solutions, focusing on how these “unsexy” technologies are driving efficiency and value creation in today’s banking infrastructure.

The New Normal: Crafting Modern Regulations for BNPL and EWA
1:25 p.m. | Casanova – 505-507, Level 1, Casanova, Level 1 | 35 minutes

Podcast: Danielle Aviles Krueger, Klarna; Michelle Staton, Zip; Jeff Stoltzfoos, Chime; Penny Lee, FTA

This session will dive into how policymakers can develop regulations for BNPL and EWA that protect consumers without stifling innovation, offering practical insights into crafting effective frameworks for these emerging financial products.

Monday, October 28, 2024

Is AI Safe Enough to Be Used for Compliance?
3:55 p.m. | The Sentient Stage | 30 minutes

Podcast: Seth Rosenberg, Greylock; Will Lawrence, Greenline; Melissa Strait, Coinbase; Shara Chang, Chime

This session will explore whether current AI technology is good enough to trust for compliance, focusing on how it could help teams mitigate risk, cut costs and improve operational efficiency in the face of growing regulatory pressure.

Tuesday, October 29, 2024

Thriving, Not Just Surviving: Building a Strategic Compliance Approach
1:40 p.m. | The Sentient Stage | 30 minutes

Podcast: Katie Ryan, H&R Block / Emerald Financial Solutions; Alan Carlisle, Marqeta; Michele Alt, Klaros Group; Anthony Sharett, Pathward, N.A.

This session will look at ways banks and fintechs can balance AI and human oversight to meet regulatory demands, focusing on AI use cases in compliance and how policy and fintech adoption shape each other.

Events, Networking Opportunities and Parties

Networking is a cornerstone of Money20/20, and there’s no shortage of opportunities to connect throughout the week. But it wouldn’t be Vegas without some unforgettable parties, would it?

Here are just a few of the many must-attend events happening outside the conference walls:

• Fin & Juice Happy Hour at Smith & Wollensky: Hosted by The Financial Revolutionist, Fin & Juice is a fantastic opportunity to mingle with a curated list of industry leaders and fintech movers and shakers.
• Venture After Dark at Wakuda: Hosted by top VC firms, this exclusive mixer offers the perfect chance to connect with VCs and innovators shaping the future of fintech.
• Money20/20 Sunrise Breakfast at Mercato Della Pescheria: Start your Monday with light bites and great conversation at this exclusive breakfast event, bringing together fintech leaders and industry experts.

Of course, there are so many events at Money20/20 that it’d be hard to include them all here. Fortunately, we collaborated with The Financial Revolutionist to compile a comprehensive list of all the major happenings. 

Visit Money2020Parties.com to check out the full list of Money20/20 USA 2024 parties.

See You at Money20/20 USA 2024!

Money20/20 USA 2024 promises to deliver insights you can act on and unparalleled networking opportunities. The conversations around Human X Machine will reveal how businesses can innovate responsibly — leveraging AI and machine learning to drive growth without sacrificing trust. Whether you’re here to network, learn or make deals, this year’s event will leave you with strategies and ideas to thrive in the ever-evolving financial world.

Throughout the event, follow us on LinkedIn and X using the hashtag #CaliberConnect for real-time updates, session highlights and behind-the-scenes moments. 

Curious how your brand can participate in events such as Money20/20 USA at a higher level? Let’s chat!