All articles by Douglas Blakey
Douglas Blakey
Interview: Tribe Payments’ Rūta Kairytė on what the Baltics get right in payments
Rūta Kairytė, Tribe Payments Commercial Director for Northern Europe, tells EPI why Lithuania, Latvia and Estonia continue to punch above their weight
The economics of AI in banking: Why the cheapest token is the one you never use
Managing AI cost is not about using less technology, explains Tamsin Crossland but is about designing systems that use technology more intelligently
The psychology of Gen Z spending in a frictionless world
Tiffany Johnson explores the psychology behind Gen Z’s spending habits and the tension shaping how they engage with modern payments
Will agentic commerce push more merchants into marketplaces?
The economics of agentic commerce – from affiliate models and conversion to stored payment credentials – may give large marketplaces a structural advantage, says Chris Jones. What does this mean for merchants and acquirers?
Why merchant expectations have outgrown traditional POS
The payments industry still talks about terminals but merchants increasingly don’t. Jean-Philippe Niedergang argues that payment acceptance has become the baseline and that the next competitive battleground is operational simplicity
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Interview: XTransfer’s Violas Xiao on designing cross-border trade for SMEs
XTransfer moved more than $60bn last year across 200+ countries. Violas Xiao, Latin America and Singapore CEO, explains what that scale reveals about cross-border payments for trading SMEs, and what still needs to change
Why terminal governance is becoming a payments infrastructure issue
Alan Moss explains why terminals should be treated as long-term infrastructure rather than hardware, and how the way they’re governed directly shapes a retailer’s ability to scale, adapt and stay compliant
The buy-now-pay-later balancing act: providing consumer protection and access to credit
Rachel Duffey, CEO of one of the UK’s largest debt advice providers, discusses the recent BNPL regulations and how tighter affordability checks could cause some consumers to turn to less regulated or illegal forms of borrowing
The hidden costs shaping international trade for UK SMEs
Could hidden FX costs be putting SME supplier relationships at risk? Rupert Lee-Browne discusses how recent geopolitical tensions have impacted international payments for SMEs and explains why optimising payments strategy is key
Open, modular, and orchestrated: changing the architecture of enterprise payments
Nishant Sameer explores the rise of open-source payment infrastructure and the wider trends shaping payment orchestration