Biography
Kieran is a Senior Analyst in Celent’s Banking practice and is based in London. His research focuses on the impact of technology-driven change in both the retail and corporate banking sectors, with an emphasis on the role that open banking, data and analytics, and cloud technologies have in transforming customer propositions and the long-term value chain in banking.
An experienced analyst with close to 20 years in the industry, Kieran works closely with banks, vendors and payment processors on their technology and business strategies. His client engagements have covered a range of topics, including real-time payments, open banking, corporate treasury, payment cards, and digital commerce. Prior to joining Celent, Kieran was Research Director for the Financial Services Technology and Industries teams at Ovum (now Omdia). In addition to his work with the banking, payments and vendor ecosystems in this role, Kieran had wide exposure to the technology transformation imperatives (including around payments) of enterprises in verticals including government, higher education, healthcare and telecoms.
A frequent contributor to the national, international, and trade press, Kieran is a regular speaker and chair at industry conferences and closed industry events. He holds a degree in Economics from the University of Nottingham.
Latest insights
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20 March 2024
Embedded finance is one of the hottest topics in the industry today, and with good reason. It can enable a bank to access new markets and custom… -
20 March 2024
The small business segment is both large and lucrative for retail banks. However, it is also becoming increasingly competitive as a range of cha… -
7 February 2024
To my eternal regret, I’ve never developed the ability to predict the future and I believe the same is true of my colleagues at Celent (or we’d… -
31 January 2024
Payments are an area of particular opportunity for Artificial Intelligence (AI) technologies. The complexities involved in processing non-card p…
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7 - 23 May 2024
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27 February 2024
By Kieran Hines, Principal Analyst - Retail Banking AI has become a cornerstone of the banking industry, revolutionizing workflows, customer-fac…
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9 February 2024
By Kieran Hines, Senior Analyst - Retail Banking In his article for The Paypers, Kieran Hines outlines the top three retail banking technology t…
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28 November 2023
By Kieran Hines, Senior Analyst - Retail Banking Variable Recurring Payments (VRPs) are gaining momentum and showing promising growth—since Octo…
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24 January 2023
Celent analyst Kieran Hines said embedded finance and BaaS were driving a lot of discussion in the industry. “We surveyed a number of banks in E…