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Head of Industries
UK
+17 years experience
He specializes in retail banking, primarily digital channels, and regularly produces research and advises customers on the issues driving change in this sector.
Kieran also examines the payments area, with a special emphasis on digital commerce and merchant payment strategy, He leads research into payments technology, strategy and infrastructure.
Before joining Ovum, Kieran spent 11 years at Datamonitor Financial where he led research into consumer payments and private wealth management.
IT
By Kieran Hines 13 Sep 2019
Open banking has been at the top of the industry agenda for a couple of years now and continues to drive the innovation and technology conversation in both retail and corporate banking. Given the potential for third-party access to data and services to completely transform the value chains in both parts of the industry, this is entirely unsurprising.
Topic Payments
Enterprise Verticals
By Kieran Hines 21 Aug 2019
As the opportunities open banking presents have become clearer, so have the practical challenges that the industry must address if mass market adoption is to be achieved.
Consumer and Entertainment Services
By Kieran Hines 10 Jul 2019
The successful introduction of a global digital currency would be a hugely significant development for the global payments industry. Whatever happens next, this should be another wake-up call for the banking industry.
Enterprise IT Strategy and Selection, IT
By Kieran Hines 24 May 2019
If the pace of product innovation in the payments industry has demonstrated one thing about human nature, it is the fundamental desire to seek the path of least resistance.
Topic Payments
Enterprise Verticals, Enterprise Decision Maker
By Kieran Hines 10 Apr 2019
The issues raised by PSD2 have galvanized financial institutions around the world to radically rethink how they approach delivering services to customers.
Enterprise Verticals
By Kieran Hines 16 Jan 2019
We are now moving into the third wave of major disruption in the payment industry that we've seen this century, which will be characterized by payment rail convergence.
IT, Enterprise Decision Maker
By Kieran Hines 06 Dec 2018
Open banking is pushing many banks into rethinking their entire approach to product and service delivery and the IT cultures and architectures that underpin it.
Enterprise Verticals, Consumer and Entertainment Services, E...
By Kieran Hines 06 Nov 2018
One of the biggest themes for 2019 will be the use of the cloud, and in particular, the public cloud, moving into the mainstream for retail and corporate banking.
Enterprise Verticals, Enterprise Decision Maker
By Kieran Hines 27 Sep 2018
While AI technologies have the potential to transform many areas of the enterprise, they are far from the only show in town. Talking directly to IT practitioners about their plans for 2019 provides a far more nuanced view.
Enterprise Decision Maker
By Kieran Hines 21 Aug 2018
If analysis of Google search term data is any guide, the initial wave of hype around blockchain has now passed and the emphasis is now more squarely focused on enterprise and/or cross-industry use cases.
IT, Enterprise Verticals, Enterprise Decision Maker
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
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...
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...
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...
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.
Ovum
19 Sep 2019
Ovum
09 Sep 2019
Ovum
09 Sep 2019
Ovum
19 Dec 2018
Ovum
19 Dec 2018
Ovum
12 Dec 2018
Ovum
23 Aug 2018
Ovum
26 Jun 2018
Ovum
14 Dec 2017
Ovum
14 Dec 2017
Ovum
21 Aug 2017
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16 Aug 2017
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12 Jul 2017
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12 Jul 2017
Ovum
10 Jan 2017
