Tom Hay is a payments expert and product visionary with in-depth understanding of information technology. He has designed cutting edge real-time payment solutions which are used by Tier 1 banks and by national clearing system operators.
With over 25 years in payments, he has worked with organizations across the globe to innovate and modernise their payment systems. He enjoys working at the interface between business and technology, ensuring that investment in IT yields tangible business benefits. He sits on UK and European expert committees, is a regular speaker at international conferences and webinars, and writes on a variety of payments-related topics.