All articles by Douglas Blakey
Douglas Blakey
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
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
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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
The growing role of order-to-cash in business banking: TreviPay
Brandon Spear explains why the next generation of business banking will connect more closely to the full order-to-cash process, helping businesses manage what happens from sale through settlement
When AI agents move money, who decides what they’re allowed to do?
Ludovico Rossi discusses how do you prove what an agent was authorised to do, where that authority ends and how quickly it can be revoked?
Your customers don’t trust AI to make decisions. Here’s why that’s a roadmap, not a roadblock
In retail banking, AI should earn trust before it earns autonomy, explains Brandon Sailors