All articles by Douglas Blakey
Douglas Blakey
UK BNPL regulations come into effect: Industry reaction
15 July marks BNPL regulation day: Over 20 industry experts offer RBI editor Douglas Blakey their take on the likely impact of BNPL finally coming under FCA regulation
The banker is coming back, and AI is the reason
Rather than stripping the human out of banking, Jouk Pleiter explains why AI gives institutions the opportunity to put them back to enable a return to an increasingly relationship led approach to banking
Is complexity becoming banking’s biggest risk?
Dr Gulzar Singh explores whether organisational complexity has quietly evolved from an operational challenge into a strategic risk, influencing decision-making, organisational agility, governance and ultimately customer outcomes
European tech investment in Q2 2026: How capital is organising around strategic sectors
Oleg Khusaenov examines the broader structural shifts shaping Europe’s technology investment landscape and explores how capital is increasingly organising around strategic sectors such as AI infrastructure, defence technology, quantum computing, and deep tech
Indian banks eye rural branches to unlock inclusion and stabilise funding
India urges public sector banks to expand rural branches, boosting inclusion, service use, deposits, and sustainable growth, writes Bhavya Patel
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Have banks forgotten how customers think?
Dr Gulzar Singh explores whether the banking industry’s growing ability to measure customer behaviour has been matched by an equal understanding of customer judgement, uncertainty and decision-making in an increasingly digital environment
Narmi to launch AI Decision Assist
AI-powered capability will streamline customer account opening for community banks and credit unions
Preparing bank security operations for faster, more connected investigations
Karl Pardoe discusses how banks can move from manual, siloed investigations to faster, connected ones, to keep pace with the scale and speed of fraud today
Unlocking success in agentic banking
Barley Laing sets out a strategy for banks looking to create autonomous AI agents that can effectively operate beyond the back office, and yet adhere to strict industry-wide regulations
Why 99% of sanctions screening alerts are false positives
Parth Desai explains why the industry has largely been solving the wrong problem. While most focus has been on tuning screening algorithms, he argues that the bigger issue sits upstream: poor-quality, unstructured address data