All articles by Douglas Blakey
Douglas Blakey
2026: The year BFSI shifts from modernisation ambition to governed intelligence
Pablo Cella explains why 2026 represents a pivotal year for the banking, financial services and insurance sector
The risk that lives between committees
Dr Gulzar Singh examines how material banking risks often persist not because they are unknown, but because they fall between committees, functions, and lines of accountability
Algorithmic banking has moved faster than its governance
Dr Gulzar Singh explains how algorithmic decision-making in banks has outpaced the institutional structures designed to govern accountability, oversight, and escalation
Fintech’s long march to Washington
Rhys Merrett discusses recent renewed efforts by European fintechs such as Revolut, Monzo and bunq to enter the US market by acquiring a banking licence
Reclaiming the vote. What the rise of pass-through voting means for banks
Siobhan Archer discusses how the ESG backlash and rising regulatory pressure are forcing a rethink of investor influence for the banking sector
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The E&I advantage: Why Swift’s 2027 requirements could be a turning point for banks
Cian Fernando explains why banks that adopt native processing early will gain faster, more resilient operations, while those waiting until the 2027 deadline risk falling behind
Why banks shouldn’t wait for AI to fix the Gen problem
Chris Eley highlights the issues caused by banks’ continued reliance on dated, inflexible legacy systems and why there are unsuitable for a modern, cloud-based banking ecosystem
Why data lineage breaks before technology fails
Dr Gulzar Singh explains why data issues in banks rarely surface as technology outages but instead emerge when institutions are asked to explain outcomes under scrutiny
Payments failures are discovered by customers, not systems
Dr Gulzar Singh examines how payments failures are most often detected outside institutional monitoring layers, and why customer, merchant, and dispute signals typically surface breakdowns before internal metrics respond
Scotland-based Financial Regulation Innovation Lab reveals winners
The FRIL has awarded £50,000 each to four fintechs to accelerate consumer wealth support