Digital wallets are changing not only how we pay, but how identity, authentication and trust are built into financial transactions. As payment wallets increasingly incorporate verified identity, biometric authentication and digital credentials — and as Europe implements the EUDI Wallet under eIDAS 2.0 — the boundaries between payments regulation, privacy, cybersecurity and digital identity are becoming increasingly difficult to separate.

This panel will examine those intersections from the perspective of payments and financial services. How do existing payment and financial regulatory frameworks interact with GDPR, DORA, NIS2 and eIDAS 2.0? What changes when banks and fintechs rely on wallet-based identity or biometric authentication to onboard customers, authenticate users or authorise transactions? And, most importantly, who bears responsibility when the technology, identity proof, data or payment fails?