All articles by Douglas Blakey
Douglas Blakey
AI can do the junior work. But who will learn the senior judgement?
Dr Gulzar Singh discusses a less discussed consequence of AI: as technology takes on more junior work, how will organisations develop the experience and judgement they will need in their future leaders?
Standard Chartered Bank Korea deposit product takes interest beyond banking
SC Bank Korea’s miles-paying time deposit targets affluent frequent flyers, but valuation, liquidity and devaluation risks limit mass appeal, writes Bhavya Patel
How embedded finance is transforming customer ownership
Chris Freeland explores how embedded finance is reshaping the competitive landscape for banking brands and offers practical steps financial institutions can take to secure a place in customers’ everyday digital lives
Investors seeking high returns elevate loan-to-deposit ratios for Asian banks
Loan growth now outpaces deposits in India, Japan, and Vietnam, thinning bank liquidity buffers and raising funding-run risk, writes Bhavya Patel
Sovereign AI isn’t just about data security; it’s about protecting your business model
As banks embed AI deeper, protecting customer data is only part of the sovereignty challenge. They must also retain control of what AI learns about their organisation, and the decisions it increasingly makes, writes Vikram Bharwani
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How the EU AI Act and DORA are changing AI governance in banking
Néstor Santolaya discusses banks’ readiness for the latest regulatory phase and explains why the EU AI Act’s 2nd anniversary should be seen less as a deadline and more as a maturity checkpoint
The real cost of relying on legacy tech and postponing migration to new services
Continuing to extract value from existing infrastructure can appear commercially sensible writes Julian Farley, but hidden costs can accumulate through operational inefficiency, technical debt, increased fraud exposure and resources being diverted away from innovation
From AI pilots to millions of customers: Why compute matters for fintech
Christopher Miglino discusses what greater access to AI compute could mean for fintechs and their customers and explores the practical implications across personalisation, fraud detection, lending and financial guidance
Who gave the AI agent permission?
Dr Gulzar Singh considers a question emerging as AI agents begin to operate across organisational boundaries: how far does a user’s original permission travel?
What’s preventing UK financial institutions from scaling AI success?
Kieran Watts discusses the challenge facing UK fintechs and banks as they strive to accelerate beyond isolated AI successes towards the goal of enterprise-wide digital transformation