All articles by Douglas Blakey
Douglas Blakey
Why payment cards are here to stay, joining forces with mobile wallets
Karen Coe explains why consumers still value physical cards in an increasingly digital payments landscape and argues that the future of payments will combine both physical and digital experiences
When customers become the attack surface: Cognitive compromise at scale
Sarah Cassidy examines scams, mules, and the next phase of financial crime as UK Finance confirms criminals stole nearly £1.3bn through payment fraud in 2025
A payment system is only as strong as its exception capacity
Dr Gulzar Singh examines why exception handling should be considered part of payment infrastructure rather than simply a back-office activity
Cross-border payments are still not moving fast enough
Rishi Patel explains why speed, transparency and predictability remain major challenges in global payments, despite years of reform
Toll agencies lose billions to poor payment experiences, not unwillingness to pay
Most drivers who don’t pay their tolls fully intend to. Lew Gaskell discusses why non-payment is a payment experience problem and explains why strict enforcement can’t fix it
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A payment is not complete when the message arrives
Payment completion is frequently treated as a single event, whereas, in practice, it consists of several distinct stages, including instruction acceptance, message transmission, interbank settlement and the customer’s ability to use the funds, writes Dr Gulzar Singh
Instant payments: Done. What comes next?
Andy Wiggan explains why visibility over money movement is becoming as important as payment speed
Japan aims to extend public transport payments beyond contactless
JCB, Resona and ODAWARA plan UWB hands-free bus fares in Japan, but adoption, cost and real benefit over tap-to-pay remain uncertain, writes Bhavya Patel
The compliance wave reshaping cross-border trade
Peter Jaap de Graaf discusses Europe’s fragmented eInvoicing landscape: the operational and technical challenges that typically catch businesses off guard and why the technology decision matters as much as the compliance deadline
Open Banking has grown up – now businesses are choosing who they trust
James Hodgson explores how the conversation around Open Banking has evolved beyond adoption to focus on the value it delivers for businesses and consumers