EMEA in Conversation | Eyes on Europe

Mar 31, 2026

Alison Livesey, Head of UK and Europe Subsidiary Banking at J.P. Morgan, brings expertise in treasury, subsidiary strategy and payments. She discusses Europe's complexity and rapid payments evolution. They cover regulation shaping innovation, instant and programmable payments, treasury automation, fraud controls, and how payments now drive growth and customer loyalty across multiple markets.

Ask episode

AI Snips

Chapters

Transcript

Episode notes

INSIGHT

Europe Is Accelerating Into A Unified Payments Ecosystem

Europe is accelerating into a unified, transformational payments ecosystem driven by instant payments, programmability, and evolving regulation.
Alison Livesey highlights PSD3 and interoperability as levelling the field and forcing banks and fintechs to raise their game.

ADVICE

Automate Treasury To Improve Liquidity And Control

Automate treasury and payments to improve liquidity management and straight-through processing for faster, more efficient operations.
Alison Livesey says treasurers should prioritise automation and risk controls to gain efficiency and better visibility.

INSIGHT

Digital IDs Turn Authentication From Friction Into Infrastructure

Digital ID and strong authentication are seen as everyday infrastructure, not friction, enabling trust needed for widespread digital payments.
Alison contrasts Norway's societal digital ID adoption with payments' single customer authentication becoming commonplace.

Get the Snipd Podcast app to discover more snips from this episode

Get the app

Shaped by diverse markets, languages, currencies and regulatory frameworks, Europe presents a complex landscape for businesses operating across the region. Understanding that landscape is essential for companies managing treasury, liquidity and cross-border payments. In this episode of EMEA in Conversation, Stew Cofer, EMEA head of Payments Specialists, Commercialization and Embedded Finance and Alison Livesey, head of UK and Europe Subsidiary Banking, examine the forces shaping payments across Europe today. From evolving regulatory environments to the realities of operating across multiple markets, the discussion explores how businesses are managing financial flows, approaching treasury strategy and supporting cross-border commerce across the region.

©2026 JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC. Deposits held in non-U.S. branches are not FDIC insured. Non-deposit products are not FDIC insured. All rights reserved. The statements herein are confidential and proprietary and not intended to be legally binding. Not all products and services are available in all geographical areas. Visit jpmorgan.com/paymentsdisclosure for further disclosures and disclaimers related to this content.

This video-podcast/guide is confidential and proprietary to J.P. Morgan and is provided for your general information only. It is subject to change without notice and is not intended to be legally binding. Any services described in this video-podcast/guide are subject to applicable laws and regulations and service terms. Not all products and services are available in all locations. Eligibility for particular products and services will be determined by JPMorgan Chase Bank, N.A. or its affiliates.

J.P. Morgan makes no representations as to the legal, regulatory, tax or accounting implications of the matters referred to herein.

Any mentions of third-party trademarks, brand names, products and services are for referential purposes only and any mention thereof is not meant to imply any sponsorship, endorsement, or affiliation.

J.P. Morgan and J.P. Morgan Payments are marketing names for certain businesses of JPMorgan Chase & Co. and its affiliates and subsidiaries worldwide JPMorgan Chase Bank, N.A., organized under the laws of U.S.A. with limited liability.

The views and opinions expressed herein are those of the author and do not necessarily reflect the views of J.P. Morgan, its affiliates, or its employees. The information set forth herein has been obtained or derived from sources believed to be reliable. Neither the author nor J.P. Morgan makes any representations or warranties as to the information’s accuracy or completeness. The information contained herein has been provided solely for informational purposes and does not constitute an offer, solicitation, advice or recommendation, to make any investment decisions or purchase any financial instruments and may not be construed as such.