THE FINTECH INTERVIEW
“Integration and operating model changes need to move together”
Tom Halpin Regional Head of North America Global Payment Solutions HSBC
Raising client expectations As payments become instant and global, client expectations are rising just as quickly. For Tom, the shift is not simply about faster settlement, but about a different kind of banking relationship.
“ Client expectations have risen significantly,” he says.“ They want payments to move at the speed of their business, with real-time visibility, simple digital experiences and seamless integration into their own systems and workflows. Increasingly, they also expect insight, not just information.”
That means, Tom says, banks need to evolve beyond transaction processing and become more actively involved in helping clients make decisions with data, connectivity and smarter technology.“ That includes investing in APIs, real-time payment access, modern infrastructure, and AI-driven capabilities.
“ Ultimately, clients want partners who can combine innovation with reliability and global reach. That is where banks need to continue evolving.”
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