The way we pay isn’t just changing, it’s evolving at a pace few industries can match. From AI-driven fraud detection to centralised data ecosystems, the payments world is on the move and keeping up means knowing what’s next.

We are bringing together some of the world’s leading payment powerhouses at the Indue Summit 2025 to share emerging trends, the latest insights and real-world guidance to help drive innovation and excellence in your organisation.

Visionaries, strategists and leaders from across the payments ecosystem will take the stage to unpack every step of the payments experience, from security and speed to transparency and trust.
These leaders aren’t just talking about what’s next – they’re shaping it.

JOE GARNER – Experienced CEO and Business Leader, UK

Curious about what’s happening in the global payment arena?

Joe Garner will take the stage to share insights from his work authoring the 2024 Future of Payments Review UK – an independent government-commissioned report with recommendations to drive innovation, accessibility and security across the UK’s payments ecosystem.

With a career spanning senior roles at Nationwide Building Society, HSBC UK, Procter & Gamble and Openreach, Joe Garner is no stranger to navigation disruption – from Brexit to the pandemic – and will unpack the key global trends and decipher what they mean for Australian businesses.

BOB HEDGES – Former Chief Data Officer, Visa

In a new digital age, it’s no secret data and AI are changing expectations regarding how we do business.

At the Indue Summit 2025, Bob Hedges, now serving as Senior Advisor for Data at Visa, will frame the new success requirements for navigating this evolving landscape to earn trust, embrace technology and build partnerships in an increasingly digital world.

With a data-first perspective, he’ll demonstrate how AI and analytics don’t require you to be a tech expert to unleash their potential for your business.

Drawing on decades of global experience leading data strategy at Visa and other major institutions, Bob Hedges brings a bold, consumer-focused, vision for the future of payments and commerce in an AI-powered world.

ANDY WHITE – CEO AusPayNet

LUKE WILSON – COO AusPayNet

As key leaders of Australia’s self-regulatory body overseeing payment systems, Andy White and Luke Wilson are helping shape the secure, modern and resilient infrastructure that underpins how Australians pay.

Andy White will lead a panel on the fight against financial crime to explore regulatory priorities, reveal emerging threats and underline the importance of a coordinated industry-wide response to scams.

Luke Wilson will co-present a session exploring the shift toward a modern payment system, offering insights into what the future holds, the industry’s role in driving progress and how this transformation will reshape the payments landscape.

INDUE SUMMIT 2025

And this is just the beginning. The guru line-up continues with more thought leaders across business, technology, mindset and customer experience, including:

• John Bertrand AO – International Yachtsman, Businessman and Philanthropist
• Simon Kuestenmacher – Director and Co-founder, The Demographics Group
• Luci Ellis – Chief Economist, Westpac Banking Group
• Stephanie Elliot – COO, COBA
• Sarah Court – Deputy Chair, ASIC
• Catriona Lowe – Deputy Chair, ACCC
• Katrina Stuart – Executive Sponsor, Move to NPP, Australian Payments Plus
• Chris Riddell – Human Futurist, Forensic Optimist and Energising Catalyst

The Indue Summit will be held on Thursday 15 May at the Intercontinental Sydney, a day full of big ideas and big names.

Don’t miss this unique opportunity to engage in transformative discussions, network with peers, and walk away with the insights to propel your business towards tomorrow.

Find out more and register here: Indue Summit 2025

Exciting news! The Indue Summit is coming to Sydney on May 15, 2025. Early Bird tickets are now on sale for a limited time. Don’t miss out on this must-attend payments leadership event.

The Indue Summit is an immersive event designed to provide you with the knowledge and insights needed to excel in the fast-changing world of payments.

Prepare to be inspired by exceptional leaders from Australia, the UK, and the USA who will share their strategies to drive innovation and excellence in your organisation.

This is your chance to dive deep into the dynamic world of payments and connect with the trailblazers and visionaries shaping the future.

Don’t miss out on this unique opportunity to engage in transformative discussions, network with peers, and leave with actionable insights to propel your business Towards Tomorrow.

Book your seat today!

2025 Speakers

As part of Indue’s Leadership Series: Cultiv8, we were pleased to host a webinar exclusively for Indue customers to present key findings from KPMG’s 2024 Mutuals Industry Review.

KPMG’s 2024 report provides commentary and insight on the mutual banking industry, based on an analysis of the financial results and key responses to our qualitative survey of Australian building societies, mutual banks and credit unions authorised by APRA (together, the Mutual sector).

In 2024, Australian Mutuals experienced continued growth in net assets and operating profits, improving their financial health. Higher net interest margins and consistent loan growth played an important role in this success, despite a deterioration in the cost-to-income ratio for the sector.

Despite the successes, customer-owned banks need to find a way to balance their support for communities during the current cost-of-living crisis with cost reduction, service expansion, process uplift and threat protection. But, the era of AI and advanced technology is here, and can help transform strategy and operations. Dive into our report for more insights, with special focus on digital transformation, AI, cyber security, ESG and trust and regulation.

Download the report

As part of the Indue Leadership series – Cultiv8, we’re proud to invite you to this exclusive customer event in partnership with RFI Global.

The Youth Banking Study promises to deliver unique insights on topics related to youth banking, finances and payments, including (but not limited to) financial literacy, banking relationships, payments, the role of parents and other influences and attitudes towards new technologies and providers.

Program

• Indue Welcome & Overview
• RFI Research Methodology
• View from parents on financial education and banking
• Youth banking:

               > Sentiment towards finance and banking
               > Banking relationships, decisions and drivers

• Questions & Discussion

EVENT DETAILS
EVENT NOW CLOSED

Register today

*This event is for customers of Indue only.  Anyone registering who is not a customer of Indue will have their name and organisation shared with RFI.

As part of the Indue Leadership series – Cultiv8, we’re proud to invite you to this exclusive customer event presented by KordaMentha and ICMEC Australia.

Operating within the payments industry comes with an obligation to minimise the opportunity for payment systems to be misused.  This is driven by regulatory compliance, a desire to minimise losses for our clients and our own corporate values around social responsibility.

All the while, others will continue to find new ways to exploit payments products and services.

This session has been developed to provide Insights into creating an organisation wide approach to Child Sexual Exploitation, for the betterment of our communities and compliance with AML/CTF obligations. 

Program

• Indue Welcome & Overview
• Rosie Campo, Head of Collaboration at the International Centre for Missing & Exploited Children Australia will talk about the importance of understanding the prevalence of child sexual exploitation (CSE) and how financial services can be part of the solution to fighting this heinous crime.
• Grace Mason, Executive Director, Financial Crime at KordaMentha will share her expertise across the private and public sectors to understand the risks of CSE to your organisation, domestically and across the Asia – Pacific region.

• Questions & Discussion

EVENT NOW CLOSED – Please register your details for upcoming events

Register today

The Indue team was excited to sponsor and attend last week’s AusPayNet Summit, an annual end-of-year highlight for the payments sector, bringing together industry experts, decision-makers, innovators, and regulators for stimulating discussions on the future of payments in Australia.

The theme of this year’s AusPayNet Summit 2023 ‘A Turning Point’ – focused on how the industry can take advantage of current opportunities to deliver secure and customer-focused payments systems, within a sector focused on encouraging innovation and fostering collaboration.

As leaders in payment services, the Indue team valued the opportunity to connect with others in the industry, explore emerging trends, share valuable insights and collaborate on solutions for challenges facing our industry.

Our key takeaways included:

• Industry, government and the RBA need to work together to modernise the rapidly evolving payment services sector.
• Licensing of payment providers must balance risk mitigation with seamless access.
• Reforms of the cheque system are underway but will take substantial time and effort to complete.
• Appropriate regulation of open wallets is needed given their increasing role in the payment’s ecosystem.
• AI can provide enhanced decision making and improved efficiency, but it isn’t always the best solution.

RBA Governor insights on payments modernisation

The Summit included a fascinating address by the newly appointed Governor of the Reserve Bank of Australia, Michele Bullock, who spoke about how the Government’s reforms to modernise the payments system will enhance safety, efficiency and competitiveness across the payments ecosystem.

The key takeout from the Governor’s address was that industry, government and the RBA will need to work together on navigating the broad range of key challenges in the rapidly evolving payment services sector.

The three key issues that will be particularly strategically important to the RBA in 2024 include: 1) the next review of retail payments regulation (which will include a focus on Least-cost routing (LCR), Mobile wallets, and Buy-now-pay-later (BNPL) services); 2) maintaining access to cash; and 3) supporting the transition from BECS to modern payment systems.

Governor Bullock noted some significant challenges will need to be overcome for the industry to successfully transition all BECS payments to more modern payment systems, including financial institutions needing to uplift their processing capacity, and enabling NPP services that can reliably handle the full range of payments that are currently processed by BECS.

A balanced approach to crucial reforms

With Australia’s payment landscape evolving at such a rapid pace, Summit discussions shed light on the crucial reforms aimed at reshaping the sector’s regulatory architecture.

Discussions about the licensing of payment providers revolved around finding a balance between safeguarding against potential risks and ensuring seamless access for users, which is pivotal for the sustained growth of the payment services sector.

As this year’s AusPayNet Summit reinforced, collaboration among industry leaders, regulators, and all stakeholders will be critical in developing a regulatory landscape that caters to the ever-evolving needs of the payment ecosystem.

Regulating new ways to pay

The shift from traditional cheque-based transactions towards digital methods has been led by customers and while the system is ready for change, a full transition and phase-out of cheques will require significant time, and substantial efforts in revamping systems and processes. It will also require overcoming barriers such as a lack of digital capabilities or distrust of digital solutions among consumers.

The regulation of open wallets is also increasingly necessary given the substantial role they play in the payment’s ecosystem. There is a need for appropriate regulation that aligns with the evolving nature of wallet providers.

Threats and opportunities of AI

Generative AI does provide a revolutionary new tool with the potential to fundamentally change the way things are done, with opportunities to significantly improve decision making, personalisation and the efficiencies of payments technology.

However, when considering security in payments, AI isn’t always the best solution. There is a need to consider how the use of AI impacts the threat landscape, as well as questions around ethics, equity and responsibility of data.