All articles by Douglas Blakey
Douglas Blakey
The false choice holding credit unions back
Benson Porter explains how credit unions can pool resources and influence tech innovation instead of relying on vendor-led solutions and sets out new criteria to attract and retain the next generation of members
Indian banks urged to push their services to Indian Gen Z
India’s finance minister urges PSBs to go “cool” for Gen Z; success hinges on digital upgrades while still serving branch-reliant customers, writes Bhavya Patel
How banks can turn cost savings into AI investment
For most banks, AI isn’t short of funding. It’s short of a cost structure that can support it, explains Sebastian Kay
AI-driven cyber risk is raising the bar for governance and resilience
Managing AI risk is more than a “cyber security problem”, explains Maureen Holland. She discusses current ECB strategy and explores how the consensus around AI risks and governance has shifted in recent weeks and months
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?
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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
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