Latest opinions that Douwe Lycklama has shared on Finextra

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Douwe Lycklama

Founding partner

INNOPAY

Member since

30 Nov 2005

Location

Amsterdam

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Douwe's opinions

DeFi: Will it really be possible to borrow from yourself at 0%?

A recent offer in the realm of Decentralised Finance (DeFi) caught my attention: “Borrow money with your bitcoin. At 0% interest”. Expected to launch at some point in Q1 of this year, this could serve as an accelerator for DeFi in the bitcoin ecosystem and potentially also for DeFi as a whole, as the interest-free borrowing protocol introduces new...

05 February 2022 /payments /crypto Decentralized Finance (DeFi)

Decentralised Finance is facilitating successful innovation by enabling ‘more for less’

Blockchain, Bitcoin and Decentralised Finance (DeFi) are all relatively new terms in today’s commercial vocabulary. Although their impact on the future of business is not yet entirely clear, at INNOPAY we believe that the genie is out of the bottle. The shift from institutional (centralised) to infrastructural (decentralised) trust is now unstoppa...

03 January 2022 /payments /crypto Decentralized Finance (DeFi)

E-identity is made too complex, payments can lead forward

E-identity and electronic payments are two sided markets. Meaning: they serve two distinct groups of customers. Payments are about payers and payees and e-identity is about respectively users and relying parties. So let’s keep on thinking about these two distinct customers groups of e-identity when we talk about e-identity. Let’s first put in some...

28 May 2012 /payments EBAday

eSEPA: Online merchants speak up

ECB is putting up more pressure on the banking sector regarding online and mobile payments in their recently published 7th progress report: online payments have to be solved for Europe. In every debate on this topic I dearly miss the customer voice! In payments there are always two customers (buyers and sellers) but in the case of online payments

12 December 2010 /payments EBAday

E-identity: looking for business problems to be solved

Last week I visited for the first time the Internet Identity Workshop in Mountain View (www.internetidentityworkshop.com). It was a great happening with lots of people ‘on a mission’ (me included). After all impressions ‘sunk aways’ the following sticks around in my mind: Fragmentation. The domain is highly fragmented with lots of initiatives

30 May 2010 /security

The payments landscape: the little voice in my head

Some weeks after the EPCA Conference in Disneyland some thought keep coming back in my mind: payments business will never be the same … Let me summarize: 1. people’s behaviour is continuously changing giving way for new ways of transacting. Social networks, mobile phones, growing e-commerce, businesses and supply chains integrate 2. the banking i

17 May 2010 /payments EBAday