All articles by Douglas Blakey
Douglas Blakey
UPI charges could improve suitability but test consumer adoption
India will charge 0.4% on UPI merchant payments above INR2,000 ($21), testing whether a once-free default stays dominant as costs shift to users, explains Bhavya Patel
Real-time payments need real-time foundations
As expectations for faster, more seamless payments continue to rise, modernising the legacy estate is becoming a business imperative rather than simply an IT priority, explains Vivek Dwivedi
Pacing the frontier: A banking leader’s roadmap to responsible AI adoption
Before introducing AI, banks need foundations that are flexible, resilient, and future-ready, explains Javier Sabino; the ultimate goal is not an AI-controlled bank but a bank in which AI operates safely
Three frameworks, one AI governance challenge
As financial services organisations seek to balance innovation with increasingly demanding regulatory expectations, Marco Eggerling offers expert practical insight into how firms can build governance frameworks that satisfy regulators without slowing digital transformation
Onchain credit needs payment data, but it also needs to keep it private
Visa’s recent move to make settlement data available to support onchain credit points to a much bigger market, but only if card programmes and fintechs can share their numbers without publishing them, says Jeremy Bradley
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Retail needs less complexity, not more digitalisation
Robert Bueninck assesses the challenges of fragmented technology stacks, sets out the role of payments as retail infrastructure and explains what businesses need to prepare for new developments such as agentic commerce
Instant payments require fraud controls built for real-time decisions
Serhii Zakharov discusses the operational consequences of instant payments. While much comment has focused on speed and safeguards, he explains that the more fundamental change is that instant settlement moves the decisive fraud-control moment further upstream
The data signal issuers are missing: What incentives actually affect tender choice
Offer elasticity, a well-understood concept in retail promotion, is underused in payment personalisation and tender steering, explains Shawn Conahan
How do banks verify an AI agent before it’s too late?
Now, more than ever, the financial services sector needs robust authentication processes that track the origin of AI agents in order to combat the threat of increasingly sophisticated fraudsters, explains Johnny Steele
Building the banking infrastructure for the age of agentic commerce
Kaue Tozzi explores the banking infrastructure needed to make agentic commerce secure, scalable and commercially viable