Designing for Trust in the Age of Agents — Money20/20 Europe
Thomas Taraniuk
Head of Partnerships at Sumsub
Mette Gade
Chief Product Officer, Lunar
Breno Oliveira
Chief Product Officer, payabl.
Conny Ploth
Vice President of Global AI Transformation, Santander
Antoine Dauchy
Product Leader, FLOA
Oluwabankole Falade
Chief Legal, Regulatory Affairs & Public Policy Officer, Flutterwave
Direct from the Sumsub booth, Thomas Taraniuk, Head of Partnerships at Sumsub, speaks with leaders from across the financial services ecosystem about what trust looks like when more of banking happens quietly, behind the scenes, and what it takes to keep fraud out without adding friction for the people and businesses who depend on these systems every day.
Our guests include:
– Mette Gade (Chief Product Officer, Lunar) on building "invisible banking," why trust means giving users back their agency rather than advising them, and why fraud prevention works best as a shared community effort.
– Breno Oliveira (Chief Product Officer, payabl.) on whether digital identity can solve Europe's fraud problem, the rise of selective disclosure, and how agentic commerce will change fraud signals as we know them.
– Bankole Falade (Chief Legal, Regulatory Affairs & Public Policy Officer, Flutterwave) on building payment infrastructure across 50+ African markets, what Europe can learn from African regulatory pragmatism, and why harmonisation is the "golden ticket" for stablecoins and cross-border payments.
– Conny Ploth (VP, Global AI Transformation, Santander) on what it actually means to become an AI-native bank, the cultural shift required to make it stick, and why open innovation, including sharing fraud research publicly, is part of responsible AI.
– Antoine Dauchy (Head of Product Development, FLOA) on the unique fraud challenges of buy-now-pay-later, why 3DS doesn't protect against installment fraud, and how tokenisation is making it easier for fraudsters to cover their tracks.
Across these conversations, one theme keeps surfacing: as banking becomes quieter and more automated, trust has to be built into every micro-moment, and the institutions, regulators, and product teams that get ahead of fraud will be the ones willing to share data, rethink friction, and design for agents as much as for people.
Because the next wave of fraud won't announce itself. It will look exactly like normal traffic, until it isn't.
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