All articles by Douglas Blakey
Douglas Blakey
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
How cryptography is solving the growing identity conundrum for banks
Gonzalo Alonso argues that for high assurance sectors that can’t afford to mess up when it comes to personal data protection, cryptography is the key to futureproofing their compliance strategy, without disrupting the customer journey
Why translating legacy code is a modernisation trap
Srikumar Ramanathan highlights the practical dangers of turning to automated tools to convert legacy code into modern languages
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Validating AI driven AML outcomes under FCA supervision
Dr Janet Bastiman discusses the future of AI for AML and offers expert guidance on how best to collaborate with the FCA and other regulators
ISO 20022’s next phase will test banks’ data foundations
Pratiksha Pathak explains why many banks are still treating ISO 20022 as a messaging upgrade rather than the data transformation it is
Why banking still struggles to see its own workflows
Dr Gulzar Singh reflects on how work moves across multiple systems within banks and why visibility of these workflows is becoming increasingly important
Why loyalty programs are now a core budgeting tool, not just a perk
Shawn Conahan outlines how banks and fintechs can operationalise rewards as financial infrastructure, embedding real-time value visibility and access into the payment and checkout experience to drive sustained engagement
Time to get serious with graphs in banking and cybersecurity
Graph database expert Marko Budiselic shares useful engineering perspectives on the question and highlights the example of South African retail bank Capitec