Tom Hay

Head of Payments at Icon Solutions

[Tom Hay @THpayments]

Russ Waterhouse (TCH) is explaining how the US is moving to open banking and instant payments, without regulatory pressure. #EBAday

[Tom Hay @THpayments]

India Stack is a set of 5 Open APIs, defined by the government, covering identification, payments, KYC, digital signatures and archiving.

[Tom Hay @THpayments]

Presentation highlighting the progress made by Digital India over the past 10 years with the confusion in Europe.

[Tom Hay @THpayments]

James Whittle warns it is too early to invest in PSD2 APIs - large TPPs have no confidence that there will be ubiquitous availability.

[Tom Hay @THpayments]

Someone just asked the €64,000 question whether PSD2 can be delayed. Probably not, but Jan 18 will not be a big bang. #EBAday.

[Tom Hay @THpayments]

EPC says the "screen scraping" fallback proposed by the EC is less like a spare wheel for a car and more like a spare engine for a plane

[Tom Hay @THpayments]

Interesting discussion of the politics around PSD2 and Open Banking at #EBAday - EPC v EC v EBA v ERPB - fragmentation inevitable.

[Tom Hay @THpayments]

Innovation is hard - even Apple Pay has failed to transform the market - usage fairly static from 2014 to 2017. Keynote #PAYMENTS2017.

[Tom Hay @THpayments]

TCH expects 5 large banks available for receiving, 4 for originating, by end of 2017. BNYM is one, others not announced yet. #PAYMENTS2017

[Tom Hay @THpayments]

Verizon are planning expedited Bill payments and B2B payments over real time system. Cheaper and better reconciliation. #PAYMENTS2017

[Tom Hay @THpayments]

Wire and Western Union and credit card for last minute bill payment are high cost to consumers and the receiver. Real time payments better.

[Tom Hay @THpayments]

Receiving banks must be available 24x7 but originating banks can choose their opening hours #PAYMENTS2017

[Tom Hay @THpayments]

BNYM explaining that real time is not just payments but also messaging - request to pay, remittances etc enhancing customer interaction.

[Tom Hay @THpayments]

Carl Slabicki of BNY Mellon talking about bridging current corporate payment systems to real time - using existing file formats etc.

[Roman Korniyenko @RK_payments]

IPF team is ready for #PAYMENTS2017. Come and see us at booth 421 #realtimepayments #paymentsinnovation #IPF

[Tom Hay @THpayments]

US Mobile bank apps focus on balance checks and cheque capture. People want more functionality and fun says Plaid's CEO at #PAYMENTS2017.

[Tom Hay @THpayments]

Keynote from Zachary Perret CEO of Plaid, points out that many US bank accounts have 15 services linked.

[Tom Hay @THpayments]

Packed plenary at #PAYMENTS2017 in Austin Texas focusing on Faster (real-time) Payments, APIs and 3rd party access. Icon is at booth 421.

[Icon Solutions @iconsolutions]

Interesting read from our own @THpayments on the future of #payments in @banknxt. Would you trust your fridge to pay your bills? https://t.co/73ctuFhF28

[Tom Hay @THpayments]

Icon bright and early at #finovate Europe - looking forward to a busy day and exciting demo.