Money20/20 USA 2025: Highlights and Industry Takeaways

JuicyScore joined industry leaders at Money20/20 USA 2025 in Las Vegas – the key global forum for payments, lending, and risk innovation. The event’s opening Fraud Summit set the tone for the week, revealing how institutions are adapting to AI-driven fraud, tightening KYC requirements, and increasing regulatory scrutiny.

This post brings together our main takeaways from the event and insights from the FXC Intelligence x Money20/20 report on the future of North America’s payments ecosystem. From AI-driven fraud to interoperability across risk systems, these are the trends shaping the next decade of financial infrastructure.

The Rise of AI Risk and Real Resilience

The opening day of Money20/20, the Fraud Summit, set the tone for the entire event. Fraud prevention dominated discussions, from emerging BNPL risks to the growing complexity of AI-driven deception.

At the Summit:

• Maxim Spivakovsky, Senior Director of Global Payments Risk Management at Galileo underlined the need for transparency across all risk models: institutions should move away from “black box” solutions and focus on systems that are explainable, auditable, and adaptable to regulatory scrutiny.
• Max Levchin, CEO and Founder of Affirm, noted that the BNPL sector in the United States still lags behind global markets, but is poised for significant growth over the next few years as digital credit adoption accelerates.
• Lyanna Liu, Senior Manager Risk Management at SoFi, emphasized that no single data provider can cover all fraud vectors. Institutions need an adaptive, multi-layered toolset to stay resilient.
• Yulia Kazakevich, Global Head of Merchant Risk at Cash App, highlighted a growing BNPL challenge where merchants and consumers may act in collusion, submitting fake transactions without delivering goods or services.

Speakers also pointed to a growing imbalance between compliance and criminal innovation. Financial institutions today operate under mounting KYC and regional compliance requirements – each jurisdiction demanding different permissions and frameworks before new features can launch. Fraudsters, meanwhile, face no such barriers. They move quickly, test new tools without oversight, and exploit every gap that regulation unintentionally leaves behind. In this environment, speed and adaptability are no longer optional; they define who stays ahead.

Across the Fraud Summit and multiple main-stage sessions, experts from leading institutions discussed how AI is reshaping both fraud prevention and customer verification. The consensus: static controls are losing relevance. Systems must now learn, react, and adapt as quickly as the threats they face.

As Vasily Hawking, Business Development Director for North America at JuicyScore, observed:

For JuicyScore, this isn’t new. Our approach to privacy-first device intelligence and behavioral analytics was designed precisely for this environment, where static identifiers no longer hold and resilience depends on continuous, real-time understanding of risk.

From Speed to Security: Payments Reinvented

The FXC Intelligence x Money20/20 USA 2025 Report, “How Will North America’s Money Move”, provided a broader look at how the region’s payments infrastructure is evolving. Key findings include:

• $13.1 trillion – projected size of the Americas’ cross-border payments market by 2032.
• 91% of industry leaders see real-time payments as critical to future infrastructure.
• 83% believe policy and regulation will be “very or extremely important” to how payments evolve.
• 86% expect partnerships to play a significant role in tackling systemic challenges.

The report paints a picture of acceleration and complexity, a region where new technologies like stablecoins and APIs add layers to existing systems rather than replacing them. Progress will depend less on invention and more on connection.

The New Normal: Connection, Not Replacement

As the report concludes, North America’s payments future will be shaped by interoperability – the ability of systems, networks, and providers to work together seamlessly.

The same applies to fraud prevention: collaboration across institutions, data types, and analytical layers is now essential for sustainable defense.

At Money20/20, this idea echoed across both technical and executive discussions, from real-time infrastructure to behavioral AI. The industry understands that transformation cannot come from isolated innovation but from coordinated evolution.

JuicyScore’s Takeaway

Across Money20/20 USA 2025, one theme united every session – the move toward an integrated risk ecosystem where transparency, interoperability, and speed define success.

AI-driven fraud, tightening KYC frameworks, and fragmented regulation demand a coordinated response. JuicyScore enables that connection. Our device intelligence and behavioral analytics solutions provide the transparency, adaptability, and cross-system understanding institutions need to stay ahead and build trust in an ever-evolving digital economy.