All articles by Douglas Blakey
Douglas Blakey
Why banks should think beyond stablecoins
Kyle Sonlin discusses the future of digital money and explains why the most astute financial institutions will recognise the need to ensure that their infrastructure allows all digital money formats to work together
Why the UK is the place to go global for instalment payments
Alex Forsyth-Thompson explains why the UK is both the hardest and the most attractive market to launch Float, the technology platform that lets shoppers split a purchase into monthly instalments on the credit card they already hold
Why AI will reshape the economics of financial processing
In the AI-era, winners will not be the processors with the largest operational footprint but organisations that leverage AI to transform transaction data into operational decisions and business outcomes, writes Steve Markle
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
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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
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