Technology is a driver of disruption for many businesses and industries, and the retail and payments sectors are no different. In this panel, Kim Ford, Head of Global Government Affairs at First Data, will lead a discussion to dig a little deeper into the various disruptions occurring in payments, such as how regulatory initiatives like the European Payment Services Directive (PSD2) are enhancing competition in financial services offerings, whether blockchain is ready for physical point of sale acceptance, how innovations in AI are creating stronger fraud prevention tools, and how to keep up with the digitization of global commerce.