“I think, as an industry, we were consumed with the issue of real-time payments, but it’s so much more than that. There’s another enabler as well,” added Kieran Hines, a senior analyst in Celent’s banking team. “It’s stepping back and looking at this from a whole-of-bank perspective. More and more institutions are viewing data as a truly strategic asset, and that also feeds into this conversation about payments data monetisation, because payments data is some of the most valuable data the banks have access to.”