All articles by Douglas Blakey
Douglas Blakey
How real-time money is reshaping banking infrastructure
Real-time money is accelerating the shift to a 24/7 financial system, exposing the limitations of legacy banking infrastructure and forcing institutions to rethink how they manage payments, liquidity, and operations, writes Kanv Pandit
Unified payments scaling push continues in Europe
Almost 1-in-5 of European payments will be conducted via a digital wallet in 2027 with stronger use for lower-value, high frequency transactions but this still leaves significant room for expansion, writes Blandina Szalay
Card Issuing and Processing Solutions – new Celent reports alert
Four new reports from GlobalData’s Celent division profile in-depth 27 card issuing and processing solutions
The checkout is the brand – why biometrics will define retail’s next chapter
While retailers’ investment focuses on the shop floor, the final moment of the customer journey lags behind, explains Jean-Philippe Niedergang. The checkout remains a major source of friction and, increasingly, lost revenue
The infrastructure gap in agentic commerce: payments are ready, disputes are not
Without a consent and permission architecture built into the transaction record, disputes in agentic commerce will become almost impossible to arbitrate fairly — for merchants, consumers, and processors alike, warns Donald Kossmann
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Finance’s “adapt or die” moment nears, as the “Onchain Bank” leaves the theory zone
This year, the trade-off between blockchain transparency and financial privacy is ending, says Ghazi Ben Amor, who warns institutions now face an “adapt or die” moment as early movers establish leading positions in onchain finance
Stablecoins slowly emerge as real-world payments method
Fiat currency-based stablecoins are beginning to be used for real-world transactions such as cross-border remittances and corporate payments, Robin Arnfield reports
Regulation, fraud and a need for speed: The new payments resilience pressure test
James Richardson explains why building resilient payment systems must now be a core strategic objective for every organisation
How cultural, geopolitical and resilience factors are shaping payment choices across Europe
Didier Noëllec offers an expert analysis of Worldline data relating to cash versus the cashless society across Europe and examines the forces shaping the future of payments
BNPL’s role in expanding shopping accessibility in emerging markets
Clarice Leaman explains why BNPL use is soaring in many markets where credit-card penetration or credit limits remain low, allowing mobile-savvy consumers to participate in digital commerce without needing a traditional plastic card