Gilles Ubaghs

Gilles Ubaghs

Strategic Advisor

Areas of Expertise: B2B Payments, Commercial Cards, Data and Analytics, Payment Regulations

Gilles Ubaghs is a Strategic Advisor with Aite-Novarica’s Commercial Banking & Payments practice, where he is focused on business-to-business and commercial payments as well as the role of digital transformation across the enterprise and broader financial services sector.

Gilles brings over 15 years of experience in the analysis and financial services space creating a range of syndicated off-the-shelf and bespoke consulting projects for a wide array of clients at the enterprise, vendor, investor, and regulator level internationally. He has direct professional experience in European, Asia-Pacific, and North American markets, and always aims to bring local context into global payments issues.

Prior to joining Aite-Novarica, Gilles was a Principal Analyst with Ovum, where he helped to build up its retail payments practice across a range of key topics, including vendor comparison reports on critical payments infrastructure, the impact of payment-tool and channel diversification on issuer and merchant strategies, and the competitive environment in the burgeoning mobile payments space, among other areas.

Originally from Belgium but raised in the U.S., Gilles is fully fluent in French and English. He holds a bachelor’s degree in Social Anthropology from the London School of Economics and is currently based in beautiful Toronto, Canada.


Tuesday, February 2, 2021 | 11 a.m. ET
Register today and join Aite Group research director Christine Barry and her expert team for a live one-hour webinar as they identify the top 10 trends that will shape the wholesale banking and payments landscape around the globe in 2021 and beyond. Attend the webinar to: Understand the...
Thursday, February 27, 2020 | 11 a.m. ET
  Changes to the global payments infrastructure at both a domestic and cross-border level, shifts in the competitive landscape, and innovations in even the most well-established commercial payment product areas mean that commercial payments are no longer immune to the dynamic forces...


May 22, 2018
Artificial intelligence, blockchain, cloud deployment models, fintech, insurtech, regtech, robotic process automation, big data analytics, channel diversification, changing customer expectations, and an ever more detailed regulatory environment are all part of a growing list of dynamic forces transforming financial services. Each of these has the power to be disruptive on its own; combined, they...
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Nov 23-24, 2021
Virtual Event
Canada’s Finance Minister recently published a report which stated the initial Open Banking framework should be operational by 2023. So, are you ready? Tune into two days of bite-sized sessions that will empower and shape your future strategy.

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