Digital wallets are capturing the customer relationship while reinforcing card rails, as A2A payments emerge as the more credible route to disruption.

TPA's H2 2026 Merchant Regulation Roadmap explains the UK, EU and US regulatory developments shaping cost of acceptance, checkout and liability for merchants over the coming years.

UK financial crime leaders see AI fraud accelerating faster than controls, while data sharing remains a major challenge but an investment gap.

For payment and e-money firms, FCA authorisation is more than a checklist: the application signals judgement, competence and regulatory readiness.

As AI accelerates cyberattacks and fraud, payments firms need network-wide intelligence to assess trust and stop threats before settlement.

Chargeback costs are rising as friendly fraud grows, with merchants increasingly passing the financial impact of disputes on to consumers.

Agentic payments may be advancing rapidly, but scalable adoption depends on reconciliation that can prove what agents did, and why.

Trusted, interoperable payments infrastructure will be critical to UK competitiveness as stablecoins, AI and global money movement evolve.

New Copecto research suggests wooden payment cards could challenge metal in premium banking, combining exclusivity with sustainability.

PEXA and Mastercard are exploring programmable A2A payments to make UK property completions more predictable, efficient and secure.

The FCA’s Mills Review explores how AI and agentic finance could reshape UK retail financial services, regulation and supervision by 2030.

The UK’s digital ID scheme may be gone, but the debate over trusted digital identity, financial inclusion and payments is only just beginning.

AutoRek has acquired Grath to expand its AI-powered reconciliation capabilities, offering governed, audit-ready automation for regulated financial firms.