As the shift toward a cashless society accelerates, instant payments and account-to-account solutions are becoming foundational for seamless, real-time transactions. Subscription payments are also set to evolve with the introduction of variable recurring payments.

• What opportunities do these changes mean for businesses and consumer?
• How can financial institutions leverage APIs to integrate instant payment and account-to-account solutions?
• With sweeping VRPs already mandated by the UK regulator and non-sweeping VRPs in their experimental phase, how can financial institutions prepare for this transformation?