Top 10 Trends in Retail Banking & Payments, 2019: Disruption Is the New Normal

Join Aite Group research director Julie Conroy and her expert team for a one-hour webinar as they identify the top 10 trends that will shape the retail banking and payments landscape around the globe in 2019 and beyond.

Attend the webinar to:

  • Hear how online payment facilitators are following digital-first merchants as they move into the physical world, converting brick-and-mortar point of sale into another digital channel
  • Learn how faster consumer payments are becoming competitive table stakes
  • Understand why financial wellness is becoming the new digital engagement strategy
  • Gain insight into how robotic process automation is taking hold in financial crime units

Clients of Aite Group's Retail Banking & Payments practice can access the full webinar on-demand by logging into our website.

For more information about this topic or other Aite Group services, please contact us at

Top 10 Trends in Retail Banking & Payments, 2019

January 17, 2019
January 17, 2019 | 11 a.m. ET

David Albertazzi is a senior analyst with Aite Group, focusing on retail bank channels and core banking technologies. He specializes in technology solutions used by banks and credit unions to support their mobile banking, online banking, branch, ATM, and call center channels, and he assesses the strategies and technology implementations of financial institutions of all sizes.

Talie Baker is a senior analyst with Aite Group’s Retail Banking & Payments practice, focusing on person-to-person and cross-border payments.

Julie Conroy is research director for Aite Group’s Retail Banking practice and covers fraud, data security, anti-money laundering, and compliance issues.

Shirley Inscoe is a senior analyst with Aite Group, covering fraud, data security, and consumer compliance issues.

Ms. Inscoe brings to Aite Group 30 years of banking experience in enterprise fraud and payments issues. She has served as the chair of the BITS Fraud Reduction Steering Committee and the co-chair of Early Warning Services’ Advisory Committee, and has been a member of ABA’s Deposit Account Fraud and Payment Systems Committees.

Tony Kaus is a senior analyst on the Retail Banking & Payments team. He has been in the financial services industry for over 25 years with a variety of roles at Citibank, PNC Bank, and First Union National Bank (now Wells Fargo), and since 2000 he has been applying that banking expertise in payments, in new banking technologies, and as a subject-matter expert for a variety of disciplines. His focus for the last 15 years has been in automation development and innovation to optimize risk in fraud and anti-money laundering applications. Mr.

Tiffani Montez is a Retail Banking senior analyst at Aite Group covering digital channel interactions, marketing analytics, artificial intelligence, chatbots, and financial wellness.

Ms. Montez has deep experience in global financial services with more than 20 years of experience in strategic planning, strategic execution, and consumer experience design. She has the unique ability to not only build strategies but also provide the strategic guidelines for executing complex strategic plans to deliver results. 

Kevin Morrison is a senior analyst on the Retail Banking & Payments team. He has been in the payments/retail banking industry for over 20 years with a variety of roles at First Data, H&R Block Bank, US Bank, and First National Bank of Omaha. Focused primarily on product development and innovation, Kevin has helped develop and launch key payment products in the market today, and over the last few years he has been focused on the fintech space and how the financial services industry will evolve over the next decade.

Leslie Parrish is a senior analyst with Aite Group’s Retail Banking practice, focusing on consumer lending.

Thad Peterson is a senior analyst with Aite Group, focusing on the evolution of the payment space, the customer payment experience, and merchant acquiring.

Jamie Regehr is a research associate at Aite Group, supporting the research efforts of the Retail Banking & Payments practice.

Previously, Ms. Regehr worked as a senior director for a boutique data analytics consulting firm, as a consultant for a global IT consulting firm, and as a financial analyst with the Federal Reserve Bank of Kansas City. She has consulted with several Fortune 500 companies on business intelligence, system design, and risk management. Her clients ranged from a variety of industries, including telecom, financial services, energy, and startups.

Ron van Wezel is a senior analyst for Aite Group’s Retail Banking & Payments practice. His research covers market and regulatory trends in the payments space, with a focus on Europe.

Mr. van Wezel is a renowned expert in payments and digital banking. He brings to Aite Group 30 years of experience in product development and innovation, advising clients on a wide range of topics including mobile payments, digital wallets, cards issuing and acquiring, and ACH solutions.