Finextra Research
Sign in
Sign up
  • News
    • Latest news
    • Company updates
    • Long reads
  • TV
  • Research
  • Events
    • All
    • Conferences
    • Webinars
    • Popular
  • Community
    • Community latest
    • Latest expert opinions
    • Groups
    • Search members
  • Jobs
  • APIs
Sign in
Sign up
  • News
    • Back
    • News
    • Latest news
    • Company updates
    • Long reads
  • TV
  • Research
  • Events
    • Back
    • Events
    • All
    • Conferences
    • Webinars
    • Popular
  • Community
    • Back
    • Community
    • Community latest
    • Latest expert opinions
    • Groups
    • Search members
  • Jobs
  • APIs
  • payments
  • markets
  • retail
  • wholesale
  • wealth
  • regulation
  • crime
  • crypto
  • sustainable
  • startups
  • devops
  • identity
  • security
  • cloud
  • ai

Community

  • Your feed
  • Latest expert opinions
  • Groups

Join the Community

23,851
Expert opinions
40,607
Total members
391
New members (last 30 days)
201
New opinions (last 30 days)
29,241
Total comments
Join Sign in
Follow Unfollow

Tom Hay

Principal Consultant
Payment Systems Europe
Member since
13 Aug 2009
Location
London
Followers
2
Following
0
Opinions
14
Long reads
1
Followed by John Sims, Martha Boyle and 5 others you follow
View Tom Hay's full profile

Tom's opinions

clear
Tom Hay

Banks versus tech giants - it's not all about the technology

Apple, Alibaba, Google and Tencent are all moving into payments. Alibaba is also moving into consumer loans and small business loans. How should banks react to the tech giants muscling into their industry? First it is important to understand the difference between Apple, Google and co, and banks. The name “tech giants” highlights that they tend to ...

29 October 2018 /payments

Tom writes about

  • security
  • payments
  • regulation & compliance

Tom's opinion archive

  • 2018 (1)
  • 2017 (3)
  • 2016 (3)
  • 2015 (6)
  • 2014 (1)

Tom's long read archive

  • 2025 (1)
ShowHide similar members

Similar members

Colin Dinsdale

Colin Dinsdale
Principal Consultant at Oracle Corporation

Follow Unfollow
Sudha Parvin

Sudha Parvin
Principal Consultant at Infosys

Follow Unfollow
Venkataramana Singanallur Ramamurthy

Venkataramana Singanallur Ramamurthy
Principal Consultant at Infosys Ltd.

Follow Unfollow
Graham Seel

Graham Seel
Principal Consultant at BankTech Consulting

Follow Unfollow
Vijay Anand Vadivelu

Vijay Anand Vadivelu
Principal Consultant at Temenos

Follow Unfollow

Welcome to Finextra. We use cookies to help us to deliver our services. You may change your preferences at our Cookie Centre.

Please read our Privacy Policy.

Accept
Finextra

Finextra

  • About

Community

  • Rules
  • Contact the community team

News

  • Guidance
  • Contact the news desk

Sales

  • Media pack
  • Contact the sales team

Get involved

  • Finextra Live@
  • Webinars
  • Finextra TV
  • Research
  • Finextra.jobs
  • Finextra Pro

Events

  • Sustainable Finance Live
  • NextGen Nordics
  • EBAday
  • NextGen:AI

Members

Join the community News alerts

Follow

Download Finextra Pro

Download Finextra Pro from Apple App Store Download Finextra Pro from Google App Store

Download Finextra News

Download Finextra News from Apple App Store Download Finextra News from Google App Store

© Finextra Research 2025

Terms of usePrivacy PolicyCookie Centre