All articles by Douglas Blakey
Douglas Blakey
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
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Inclusive lending will shape the future of retail credit in the wake of BNPL regulations
As consumer finance adjusts to the new BNPL regulatory environment, Andy Smith highlights the potential for the sector to unlock interesting opportunities by drawing on key learnings from the inclusive lending market
WhatsApp deepens its fintech play with introduction of bill payments in India
WhatsApp brings bill payments to India via Bharat Connect, shifting from chat-based UPI transfers to recurring household finance—challenging entrenched rivals, writes Bhavya Patel
JPMorgan Payments brings faster cross-border payments to more markets
Expanded capabilities with Thunes will help clients send faster payouts to bank accounts and mobile wallets across 100+ corridors
Singapore and Indonesia currency framework is another step toward de-dollarisation
MAS and BI back IDR–SGD settlement to cut costs on a key ASEAN corridor—boosting resilience, but de-dollarisation will be gradual, explains Bhavya Patel
BRICS seeks to curb US dollar dependence via local currency settlement
BRICS is expanding local currency trade settlement to cut cross-border costs and boost resilience—an incremental de-dollarisation move, not a bid to replace the USD, explains Bhavya Patel