All articles by Douglas Blakey
Douglas Blakey
Pay by Bank is fragmenting: That’s a sign it’s working — but there’s a catch
As Pay by Bank moves into the mainstream, different industry and regulatory-led schemes are starting to emerge, creating fragmentation but with it comes flexibility and greater payment choices for consumers and businesses, writes Todd Clyde
Top 20 global payment companies’ revenue rises 8% in 2025 as scale still wins: GlobalData
Payments sector winners include Mastercard, Visa and mid-tier challengers, including Shift4 Payments and Adyen
Europe is building the foundations for trusted agentic commerce
Trust is a key barrier to mass adoption but carefully designed guardrails can enable a model of agentic commerce that is both trusted, safe and firmly under consumer control, says Mastercard’s Brice van de Walle
Payment sovereignty and the relationship with cash
Neil Martin explains why digital rails and cash must work together, if the National Payments Vision goal of enabling consumers and businesses to have genuine choice in how they pay, is to be realised
Safeguarding through insurance – how it works and what’s changing under the FCA’s 2026 Regime
Safeguarding through insurance offers UK payment and e-money firms a useful option when facing liquidity constraints. With FCA changes from May 2026, firms must understand how it works, non-renewal risks, and compliance obligations, explains Azhar Rana
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AI is moving into the terminal and retailers are paying attention
Jean-Philippe Niedergang explains why retailers are starting to view the terminal as part of the wider retail intelligence layer, with embedded AI and biometrics moving into real-world checkout environments
Why money movement is becoming a strategic battleground
In a market shaped by instant expectations, regulatory intensity, and relentless innovation, the institutions that can move value intelligently, securely, and at scale will set the pace for everyone else, explains Mick Fennell
The financial system is changing and stablecoins are driving it
Shah Ramezani explains why the utility of stablecoins only continues to grow apace and unlike other previous fintech trends, adoption is ongoing and isn’t slowing down anytime soon
UPI highlights the transformative potential of instant payment systems
UPI has rapidly shifted India from cash to real-time mobile payments, scaling globally, while raising concerns over fraud and security risks, writes Bhavya Patel
Rethinking payment sovereignty in Europe: Why choice matters more than replacement
A new payment infrastructure rarely achieves widespread adoption without deliberate coordination across the financial system, including how it is presented to the public, not just how it is built, writes Daniel Ruhman