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
Banking has learned to launch AI, but making it work is the real test
Are banks really mastering AI? Teo Blidarus explains why the gap between AI headlines and reality is becoming a serious problem and what banks must do differently to bridge it.
Why Credit Unions are becoming central to modern retail banking
Dr Gulzar Singh reflects on the growing importance of credit unions within the UK retail banking landscape, particularly as banking models continue to evolve around digital access, local participation, and community-based financial resilience
Closing the gap between AI and ROI in the finance sector
Chris Johnston examines why AI and digital transformation investments in UK banking are struggling to deliver measurable ROI?
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
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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
AI is everywhere, but data is doing the work
Stuart Harvey explores why data, not AI itself, has become the real connective tissue of modern financial services
Banking’s problem with “Silent Quitters”
Nick Merritt highlights why capability alone is no longer enough to maintain customer relationships, and how banks can respond in an era of rising expectations and multi-banking
Invisible links, visible losses: Mapping the hidden dependencies in retail banking
Jonathan Mitchell explains why too many companies don’t fully understand all the systems they depend on and how over time, these “invisible” dependencies become harder to track, creating risks that often go unnoticed
Digital sovereignty and the limits of regulation
While Europe doubles down on regulatory mandates, certification schemes and the promotion of national champions, it risks solving a geopolitical problem by inflicting an economic one on itself, explains Daniele Viappiani