Kieran Hines

IT, Enterprise Verticals, Enterprise Decision Maker

Merchants expect real-time payments to bring substantial benefits

By Kieran Hines 04 Jul 2018

The subject of real-time payments (RTP), and the potential for this new way of payment infrastructure to drive a fundamental change in the way both consumers and businesses transact, has been one of the biggest areas of activity and discussion in the financial services industry for some time.

Enterprise Decision Maker

2018 will be the year that real-time payments go big-time

By Kieran Hines 04 Apr 2018

As 2018 began, we had already seen a step-change in the availability of real-time account-to-account payments.

Enterprise Verticals, Consumer and Entertainment Services, E...

Open banking moves to the heart of the action at Finovate Europe

By Kieran Hines 07 Mar 2018

Finovate has traditionally been a strong indicator of the important trends in the financial services technology space, and the 2018 Europe edition has proven no different.

Consumer and Entertainment Services, Enterprise Verticals, E...

Real-time payments become a reality in the US and at European level, creating a platform for rapid innovation

By Kieran Hines 15 Nov 2017

November 2017 will go down as something of a watershed month in the payments industry. Before the end of the month, real-time ACH (Automated Clearing House) payments – the ability to send and receive funds between banks almost immediately – will be available both in the US and pan-regionally within eurozone countries.

Enterprise Verticals, Consumer and Entertainment Services, E...

Open banking initiatives are high on the investment agenda for 2018

By Kieran Hines 28 Sep 2017

Open banking initiatives have the potential to fundamentally reshape the industry value chain, competitive landscape, and customer experience across both retail and corporate banking.

Service Provider Technology

Instant Payments and the post-PSD2 landscape

By Kieran Hines 06 Sep 2017

Reshaping the retail payments market.

Enterprise Verticals, Consumer and Entertainment Services, E...

The consolidation rush in the payments industry highlights the need for scale and differentiation through value-added services

By Kieran Hines 28 Jul 2017

This July has seen a steady stream of large M&A announcements in the payments space, alongside a great deal of rumor and industry speculation about a number of other players across Europe.

Enterprise Verticals, Consumer and Entertainment Services, E...

The consolidation rush in the payments industry highlights the need for scale and differentiation through value-added services

By Kieran Hines 28 Jul 2017

The month of July is usually associated with the beginning of the slow news (or "silly") season, when little of importance happens, and the news media occupies itself (and readers) with frivolous stories. 

Enterprise Verticals, Consumer and Entertainment Services, E...

Bank of Canada shows the potential for distributed ledger technology in financial infrastructure

By Kieran Hines 02 Jun 2017

Bank of Canada has announced the conclusion of the second phase of Project Jasper, a public-private collaboration to explore the viability of using distributed ledger technology (DLT) as the basis for a wholesale payments system.

Enterprise Decision Maker, Enterprise IT Strategy and Select...

Whose fine is it anyway? GDPR compliance may limit the ultimate impact of PSD2

By Kieran Hines 07 Apr 2017

The issue of "open banking," or more specifically the creation of APIs that provide third parties with (authorized) access to customer account data or other services such as payments, is one of the hottest topics in the financial services industry at the moment.

Enterprise Verticals, Consumer and Entertainment Services, E...

AI, biometrics, and the post-PSD2 landscape were the highlights at Finovate Europe

By Kieran Hines 10 Feb 2017

Since its launch in Europe in 2007, Finovate has been a strong barometer of the technology trends that will be top of the agenda for customer-facing product innovation in retail banking and payments for the year ahead.

ICT Enterprise Insights

Retail banking and payments 2017

By Kieran Hines 06 Feb 2017

Highlights from Ovum's 2017 ICT Enterprise Insights survey: IT investment plans and attitudes to the Fintech ecosystem.

Enterprise Verticals, Consumer and Entertainment Services, E...

Merchants will become the real drivers of change in the payments ecosystem

By Kieran Hines 29 Nov 2016

It's clear that 2017 will be another year of major change in the retail payments industry. One trend that will be particularly key will be the growing importance of merchants in setting the innovation agenda.

Digital Consumer Insights, Service Provider Technology, Serv...

Understanding service provider approaches to industries

By Kieran Hines 04 Oct 2016

IT, Internet of Things, Service Provider Technology, Enterpr...

CMA open API requirement will be a heavy burden for UK banks

By Kieran Hines 02 Sep 2016

The release in August 2016 of the long-awaited Competition and Markets Authority (CMA) report into the provision of retail and SME banking services in the UK disappointed those expecting radical intervention. However, the report will nevertheless create an implementation headache for the industry, and one with potential political ramifications.