THE QUESTION
How do we build a financial future that works for everyone?
Technology is changing how money moves. The decisions we make about policy, regulation and infrastructure will determine who benefits, who participates and who gets left behind.
THE PERSPECTIVE
Innovation does not happen in isolation.
Technology, regulation, markets and people are deeply interconnected. Progress depends on understanding how they influence one another — and bringing the right perspectives together to turn possibility into practical, meaningful change.
WORK WITH CHANG
WORK WITH CHANG
WORK WITH CHANG
THEMES
The Decisions Shaping Tomorrow
01/MONEY
Who Will Shape the Future of Money?
Stablecoins, digital currencies, tokenisation and new payment infrastructures are challenging established models. Who will control the next generation of money, and how do we preserve trust, competition and financial sovereignty?
02/INTELLIGENCE
When AI Starts Moving Money?
AI agents are moving towards financial decisions and transactions. What happens to authorisation, accountability, consumer protection and trust when machines can act across financial systems?
03/GOVERNANCE
Who Makes the Rules of the New Financial System?
As finance crosses borders, platforms and regulatory regimes, how do we enable innovation without fragmentation? Exploring policy, competition, open finance and the choices shaping global markets.
ABOUT NILIXA
A voice at the intersection of policy, payments and progress.
Nilixa Devlukia brings together experience in financial regulation, law, payments and industry leadership to help shape conversations about the future of finance.
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As CEO of Payments Solved and Chair of the Open Finance Association, she works across the worlds of policy, innovation and business — connecting perspectives, challenging assumptions and bringing clarity to complex change.
01
Understanding
A perspective shaped by law, regulation, policy and the realities of how financial markets and institutions operate.
02
Connecting
Working across policymakers, regulators, industry leaders and innovators to bridge different interests, disciplines and markets.
03
Shaping
Bringing informed challenge, practical judgement and a global outlook to the decisions shaping the future of finance.
WORK WITH CHANG
WORK WITH NILIXA
Thoughtful formats. Real Conversations.
1. Talks & Keynotes
Where policy meets possibility
Nilixa brings an informed, independent perspective to the future of finance. Drawing on experience across regulation, law, payments and financial innovation, she connects the decisions being made today with their implications for businesses, markets and society.
From open finance and digital money to emerging technologies and global regulatory developments, her talks challenge assumptions, connect perspectives and open up meaningful conversations about what comes next.
2. Panels & Moderation
Conversations worth having
Nilixa brings clarity, curiosity and informed challenge to complex conversations. As a moderator and panellist, she connects perspectives across policymakers, regulators, financial institutions, technology providers and industry leaders.
Her approach creates space for thoughtful debate, constructive disagreement and the questions that matter — moving conversations beyond familiar talking points towards deeper understanding.
3. Advisory & Workshops
From complexity to clarity
Financial innovation rarely fits neatly within existing structures. Nilixa works with organisations navigating the intersection of regulation, technology, commercial opportunity and market change.
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Through strategic advice, facilitated discussions and tailored workshops, she helps leaders examine emerging developments, understand competing considerations and make more informed decisions about the future.
