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Articles and opinions by Ellen Hardy

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The battle for cross-border payments is set to reshape financial services
Date: Jun 09, 2020   |   Author: Ellen Hardy | Research Note
Instant cross-border settlements are opening up the market for new players to innovate. With diverse ideas in the payments sector, those looking to collaborate — and not necessarily within the banking sphere — will come out on top.
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Are central banks issuing digital banking licences to counter the threat of fintechs and big techs?
Date: Mar 20, 2020   |   Author: Ellen Hardy | Feature
Technology has enabled the world of finance to innovate and diversify rapidly in recent years — and regulators have struggled to keep pace until now
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The race for ideas to integrate AI into financial services
Date: Jan 23, 2020   |   Author: Ellen Hardy | Research Note
By 2022, banks will be spending as much as $12.3 billion on AI and cognitive technologies with the race underway to integrate the latest capabilities into financial services
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Nonprofit organisations receive increased support through online giving
Date: Jan 21, 2020   |   Author: Ellen Hardy | Datafiles
The market for charitable giving is evolving like other forms of commerce and establishing a firm digital presence
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US-China trade war highlights shifting global terrain for financial services
Date: Dec 05, 2019   |   Author: Ellen Hardy | Feature
The US-China trade war may be inching towards a ceasefire, but the ramifications of this economic battle will continue to be felt around the world. As retaliatory restrictions have seen escalating horizontal affects, we take a look at how the war has impacted financial services now and into the future