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Kieran Hines is Head of Industries at Ovum, providing research to support clients across a range of sectors including financial services, retail, government, education, healthcare and utilities. His own subject specialism is payments and, in his career to date, he has published and led research across many of the issues driving change in this industry, most recently those relating to the impact of areas such as real-time payment infrastructure and open banking on both the retail and corporate banking sectors.