This panel will outline the future of payment services, crucial for the exchange of funds between banks, financial institutions, state institutions such as the Treasury and the B2B sector. Evolving technology and new regulatory frameworks are changing the way the payments ecosystem works, transforming payments. We will discuss the growing role of digital identities, secure authentication methods and new payment solutions. API economy, Open Data will also be topics. We will present the opportunities associated with open banking and the risks, such as AML, PSD3 and sanctions lists, that this new payment environment brings. Join us and discover how the transformation of payment services is changing the world of transactions.