The retail payments landscape is evolving rapidly, with rising card fees, fragmented loyalty systems, and growing compliance demands driving merchants to seek more connected solutions. This seminar explores how open banking technology is reshaping in-store and online payments — offering faster settlement, reduced costs, and stronger data insight for retailers. It examines how linking payments to loyalty and digital identity can create a more seamless and trusted checkout experience for both businesses and customers. Drawing on recent market research and a real-world case study, the session highlights best practice in integrating payment, loyalty, and ID systems to improve efficiency and engagement. Attendees will gain a clear understanding of emerging payment models, regulatory considerations, and practical steps for adopting open banking within existing retail infrastructures.