Gian Mahil

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Director

The FinTechGuys

Member since

08 Mar 2021

Location

London

Experience

Summary

Gian is a Finance Technology (FinTech) Consultant based in London. He specialises in educating clients on how they can reduce their exposure to financial crime and in depth insight into FinTech. Gian has been in the FinTech industry for some 25 years and worked with the major banks and card companies at Lloyds, Barclays, HSBC and RBS, Mastercard and Visa in a long and successful career.
Gian is a regular blogger on payments & fraud trends: https://innovationandchangeinpayments.blogspot.com . He is also a trusted advisor to a number of consulting networks: GLG, Atheneum and Guidepoint where he regularly advises banks, researchers and investment banks.
LinkedIn: https://www.linkedin.com/in/gianmahil/

Latest opinions

Is Request To Pay the next big thing?

Having looked at Pay-By-Bank in my previous post I thought it would be useful to look at another new payment innovation Request to Pay. This promises to be revolutionary new way of paying bills over the old Direct Debit (DD) that we all love or hate for different reasons. This is proving to be a very popular method of payment and can be found und...

01 December 2022 Banking Strategy, Digital and Transformation

Can Pay-By-Bank apps stop payment fraud ?

Pay-by-Bank solutions are suddenly the fashion in the payments world. Solutions are available from HSBC, JP Morgan, Barclays, JP Morgan, Mastercard and World Pay to name a few. How do they work and do they help or hinder fraud? They promise convenience at the point of sale. But, what about fraud? Do they help combat that? Billers whose consumers a...

17 November 2022 Payments strategies 2015-2020-2030

Use Cases in Open Banking

Open Banking is finally coming of age. More and more applications are available that ride the Open Banking rails bringing innovation and efficiency to financial services, businesses, and consumers. In this article, I will look at some industry sectors that are using Open Banking today. According to the OBIE a Dec 20201 for the UK there were: 6 m...

09 November 2022

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Latest comments

Use Cases in Open Banking

Hi @Ketharman Swaminathan you make some very interersting points.

30 Nov 2022 14:26 Read comment

Can Pay-By-Bank apps stop payment fraud ?

Hi Melvin, the two are different beasts all together. With a iVariable Amount DD it is something you would set up with say a utility company to pay a bill regularly - but don't know the amount it is going to be each week/ month/ quarter etc. The Pay-By-Bank is very different it isn't recurring - its a one off payment (useaully a Faster Payment) that you authorise - without revealing to the merchant your bank details. So you protecting yourself at the point of sale (or website) by not revealing your bank details in any way to the payee (merchant).

18 Nov 2022 14:46 Read comment

10x Future Technologies set for £500 million valuation on projected £130 million raise

Congratualations Anthony and the team!

10 Jun 2021 10:53 Read comment

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Gian Mahil

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Is Request To Pay the next big thing?

Can Pay-By-Bank apps stop payment fraud ?

Use Cases in Open Banking

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