A Retailers View: PSD2

Hotel Cafe Royal , London, England, W1B 4DY, United Kingdom (Directions)

A Retailers View: PSD2

Today's digital consumer demands an experience that lives up to the times. Convenient and seamless services are vital  - but if there’s an opportunity to improve your customer’s journey, then why wouldn’t you?

Your business may be "unaware", "unprepared" or "acting on" ahead of the upcoming Strong Customer Authentication (SCA) requirements under the Payment Services Directive (PSD2), but believe us - now is the time to think about it!

Set to revolutionise banking and payments, SCA must to be supported by September 2019, but what does that mean for you as a brand or retailer? Whilst the obvious advantage would be a decrease in your online payment fraud, by using biometric methods to authenticate payments such as fingerprints or facial recognition, the customer purchase process is also going to become smoother and more convenient.

At A Retailers View: PSD2, our panel of expert brands and retailers shared their experiences around preparing for the new directive to help you ensure you’re ready for the deadline.

Topics we covered included:

  • Security v Convenience

  • Advantages for your consumers – new services for a new experience

  • Understanding business impacts and capitalising on opportunities

  • Understanding the PSD2 and GDPR relationship

Who attended?

  • Heads of eCommmerce, Finance, Fraud, Security, 
    Privacy, Compliance, Customer Experience CX, Online Trading 
    Trading, Conversion, Check out/ Payment, Optimisation 

  • Chief Finance and Digital Officers

  • Directors of Online, eCommerce, User Experience


Mari-Anne Bayliss

Mari-Anne Bayliss

Director, Fraud Solutions in Europe, CyberSource

Mari-Anne Bayliss, Director, Fraud Solutions in Europe, CyberSource, will talk about the rules of PSD2 to help  merchants in preparing fraud and authentication strategies that could enhance their business model. Prior to 2017, Mari-Anne was Fraud Risk Manager at Argos, where she successfully balanced fraud prevention with payment acceptance, reducing both friction and fraud costs.

Mari-Anne’s LinkedIn
CyberSource Website

Ebru Keskin

Ebru Keskin

Head of Fraud and Payments, End Clothing

As the Head of Fraud and Payments at END. Clothing Ebru leads a fintech department that utilises her global payments and fraud prevention knowledge to improve checkout conversion and ensure high authorisation rates whilst keeping company fraud risk minimal and under control.

In the past Ebru has worked at River Island and Wiggle CRC in similar positions providing support and lead for an omnichannel payments and fraud prevention strategy.

Ebru initially got into the online payments space through iGaming companies and she now focuses on fashiontech and eCommerce.

Ebru’s LinkedIn
End Clothing’s Website

Kieran Cotter

Kieran Cotter

Fraud Risk Manager, Sainsbury’s Argos

Kieran is an adaptable and experienced fraud professional working within the retail sector for one of the largest retailers in the United Kingdom. With a successful background in the prevention of Card Not Present Fraud through multi-layered strategies, whilst protecting genuine customer sales. Kieran has worked in a number of different fraud roles from frontline to management, currently working as the Fraud Risk Manager for Sainsbury’s Argos.

Kieran’s LinkedIn
Sainsbury’s Argos Website


08:15 - 08:45

Registration & Networking Breakfast

08:45 - 09:00

Welcome from Commerce Futures

09:00 - 09:30

Keynote One - Mari-Anne Bayliss, Director, Fraud Solutions in Europe- CyberSource

09:30 - 10:15

Panel Q&A
Moderated by Mari-Anne Bayliss, Director, Fraud Solutions in Europe- CyberSource , with appearances from;

Ebru Keskin - Head of Fraud and Payments, End Clothing

Kieran Cotter - Fraud Risk Manager, Sainsbury’s Argos

Spencer Hudson - Global Head of eCommerce Technical Solutions, ghd

10:15 - 10:45

Networking & Event Close



CyberSource is a payment management company and provides a complete portfolio of services that simplify and automate payment operations. Customers use their CyberSource and Authorize.Net brand solutions to process online payments, streamline fraud management, and simplify payment security. Born during dawn of the eCommerce in 1994, CyberSource was one of the pioneers in online payment and fraud management services for medium and large-sized merchants. In 2007, they acquired the leading U.S. small business payment services provider, Authorize.Net, thus expanding their market footprint to cover businesses ranging from the smallest sole proprietorships to the largest global brands. In 2010 CyberSource was acquired by, and operates as a wholly-owned subsidiary of Visa Inc. Today, over 400,000 businesses worldwide use CyberSource solutions. The company is headquartered in Foster City, California, with offices throughout Asia, Europe, Latin America, the Middle East and Africa, and the United States.

Find out more


Q: Is there a fee for attending the Commerce Futures event?

A: Events are priced individually, they range from £0 - £50.00. We take great care in how we curate the audience, the event is invitation only and you must register in advance to attend. If you have not received an invitation but would like to attend, please register via the website and your place will be confirmed subject to approval.

Q: Can I bring a colleague?

A: Additional places will be subject to availability. Please ask your colleague to register via the website.

Q: Who else will be there?

A: Heads and Directors of eCommmerce, Finance, Fraud, Security, 
Privacy, Compliance, Customer Experience CX, Online Trading 
Trading, Conversion, Check out/ Payment, Optimisation 

Q: What is the address of the venue?

A: Hotel Cafe Royal, 68 Regent Street, London, England, W1B 4DY, United Kingdom

Q: Is there a dress code for this event?

A: There is no formal dress code. Please come dressed in comfortable attire e.g. business casual. 

Q: Who is Commerce Futures?

A: Commerce Futures is an independent online community for retail leaders and Commerce professionals. We provide a round up of the latest news and information relating to the key challenges in Commerce today, as well as insights into future trends and technologies that are shaping the online retail landscape. And because we believe it's important to learn from our peers, the regular Commerce Futures event series brings in expert speakers from leading brands to share case studies and industry know-how. 

Since 2012, thousands of professionals have attended our events and engaged with our content. We survey them regularly to understand what problems they are wrestling with now and tailor content to help them solve those concerns.

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