ObjectiveThis conference will analyse the major challenges of the rapidly changing market environment for financial services. The rise of mobile and online payments opens new opportunities and new competitors are forcing their way into the market. The European Commission is keen on promoting innovation in this area, whilst ensuring that the market remains open and competition is not unduly restricted. Yet a number of concerns need to be addressed..  Key topicsDigitally driven structural changes: from online banking to mobile walletsThe revised Payment Services DirectiveThe future of multilateral interchange fees (MIFs) in EuropeStrategic alliances and access to marketStandardisation, interoperability and lock-in effectsSecurity of internet payments