As innovation accelerates, economic uncertainty grows and the regulatory environment seems fluid, this super-panel discussion with high-profile executives from across the digital finance landscape, including banks and financial institutions, fintechs, venture capitalists, and management consultants, takes the audience through five or so critical themes that will drive the future of digital finance over the next five years and the implications for players industry-wide. Themes to be explored include the dramatic rise of account-to-account (A2A) payments, social commerce and payments, the institutionalization of generative and agentic artificial intelligence, the mainstreaming of stablecoin payments and on-chain finance, the emergence of new models for Banking-as-a-Service and Payments-as-Service, and the impact of cyber risks on identity verification, privacy and compliance are among the top-of-mind trends.