Kieran Hines

Leeds

Senior Analyst at Celent

Principal Analyst at Celent. Interested in anything to do with payments, retail and corporate banking. Puns a sideline. Views are my own.

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Articles

Retail Banking Dimensions: IT Pressures & Priorities Webinar; 2025 Edition

1 month ago | celent.com | Kieran Hines |Daniel Mayo

2025 will be a pivotal year for the retail banking industry. Investments in AI and data analytics technologies will be high on the agenda, as banks look to support improved propositions and experiences for customers. However, many banks will continue to face constraints from the need to modernise core infrastructure to ensure resilience and compliance. What will all this mean for product innovation in the industry? Which technologies are poised to attract the most investment?
Dimensions: Retail Banking IT Pressures & Priorities 2025

1 month ago | celent.com | Kieran Hines

The banking industry is undoubtedly in a period of change, one which is driving new commercial opportunities across a range of products and customer segments. However, banks also continue to face many challenges. Against the background of rising political and economic uncertainty, increasing competitive pressures, and a lengthening list of compliance requirements, financial institutions are under pressure to deliver more for customers at a greater pace – and at a lower cost – than ever before.
Whatever Happens with the CFPB, the Toothpaste Isn’t Going Back in the Tube

2 months ago | celent.com | Kieran Hines

Looking at the events at the Consumer Financial Protection Bureau (CFPB) over the past few days, it’s hard not to be reminded of the old adage: “a week is a long time in politics”. That phrase, uttered by UK Prime Minister Harold Wilson during a period of sharp turmoil in the 1960s, feels both apt and also woefully out of step with the pace of change in the modern world.
The Pulse of Retail Debt Collections, 2025

Nov 25, 2024 | celent.com | Michael Bernard |Craig Focardi |Kieran Hines

25 November 2024Insights from a US Industry Survey: Challenges and opportunities for data acquisition, enhancing consumer engagement, and increasing automation, and Consumer Engagement What are the current loan collections industry paint points, business challenges, and technology needs? How might those challenges differ between first party and third-party collections organizations? What are the industry’s expected investment priorities in the next year?
Top Technology Trends Previsory: Retail Banking, 2025 Edition

Nov 18, 2024 | celent.com | Zilvinas Bareisis |Michael Bernard |Craig Focardi |Kieran Hines

19 November 2024 2025 will be another year of change and opportunity for retail banking. Technology budgets are expected to increase by over 5% on average, as institutions look to push ahead in unlocking efficiency improvements across their estates, while also delivering enhanced products and experiences to customers.
Technology Trends Previsory Webinar: Retail Banking; 2025 Edition

Nov 18, 2024 | celent.com | Zilvinas Bareisis |Kieran Hines

Recorded on November 19, 2024Retail banks don’t have it easy – customers expect them to be at the forefront of innovation making the most of the latest technologies such as Gen AI, while competitive and regulatory pressures continue to intensify. Furthermore, geopolitical uncertainty brings macro-level risks, while criminals are rapidly adopting the same latest technologies to keep the banks’ fraud and risk departments busy.
Tip the Small Business Banking Playing Field in Your Favor

Nov 13, 2024 | celent.com | Kieran Hines |Alenka Grealish

14 November 2024Insights and Actions from Celent’s Dimensions Survey Celent analyzes the latest findings from its Dimensions survey, interviews with best practice players, and third party surveys. It’s no surprise that competition in small business banking is heating up, and barriers to entry continue to fall. To assist bankers in seizing opportunities, we outline a multidimensional game plan encompassing engagement models, channels, and new interfaces coupled with intelligence.
Delivering an ROI tops the agenda at Open Banking Expo 2024

Oct 23, 2024 | celent.com | Kieran Hines

The middle of October is a busy time for any self-respecting industry analyst, as event season is in full swing. The highlight of last week was the Open Banking Expo in London, which brought together senior stakeholders from across the value chain to compare notes on where the industry is today, and what’s coming up next. As always, the organisers put on a strong agenda.
CFPB Fires the Starting Gun on a New Phase of Open Banking in the US

Oct 21, 2024 | celent.com | Kieran Hines

The CFPB’s publication of the finalized text for the Personal Financial Data Rights rule will set in train a series of activities that will re-shape the open banking landscape in the US and open the door to a wave of product development opportunities for financial institutions. The forthcoming rule, which will implement Section 1033 of the Dodd-Frank Act of 2010, will create a common framework for open banking that will apply almost universally across the market.
“Neither a borrower nor a lender be”: Reflections on the AWS London FSI Analyst Day 2024

Sep 9, 2024 | celent.com | Kieran Hines

While the works of William Shakespeare may not paint the financial services industry in a very positive light, banking, payments, and insurance were nevertheless centre stage at the Globe Theatre in London for the latest AWS FSI Analyst Day. Very much built on the idea of “show me, don’t tell me”, AWS brought together a collection of clients, partners, and its own experts to share how working with the vendor and its partners was bringing transformational change to their organisations.