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Location
Amsterdam
Member since
2005
Writes about
Security Payments Cryptocurrency

Douwe's blog archive

2022 (2) 2012 (1) 2010 (3)
Douwe Lycklama

Douwe Lycklama

Founding partner at INNOPAY
Message Message me Posts: 6 Comments: 2
Bio Specialists in electronic transactions through any channel. Key topic include digital payments identity, blockchain, bitcoin, e-invoicing, mobile payments, electric transport, energy, DeFi and health care. Track record in setting up 'two sided market networks' where multilevel standards are required (business, operational, functional, technical etc) Career History 2002 - Founding Innopay

Blogs

Decentralized Finance (DeFi)

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

05 Feb 2022

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...

Decentralized Finance (DeFi)

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

03 Jan 2022

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...

EBAday

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

28 May 2012

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...

EBAday

eSEPA: Online merchants speak up

12 Dec 2010

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

See all Douwe's blogs

Douwe is Commenting on

Instant Payments: A Critical Assessment

  Thanks Ralph for this good analysis. Often we (as payment professionals) tend to forget that payers & payees look for pan European RT 'Commerce' instead of RT 'Payment' ...

27 Jul 2015 Reply Read article

Payments modernisation seen as top priority for banking industry

  Emperors clothes? Bankers, vendors and regulators get overexcited ... Do we really need to invest billions now for a real-time customer experience and (near) real time funds? Isn't the internet already delivering this to us on top of today's infrastructures? What does real time C&S do with the security model and all compliance checks? Agree with Bo and Neil!

06 Dec 2014 Reply Read article