Douwe Lycklama

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Founding partner

INNOPAY

Member since

30 Nov 2005

Location

Amsterdam

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)

Experience

Summary

2002 - Founding Innopay

Latest 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 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 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 EBAday

See all 6 opinions by Douwe

Latest comments

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 16:28 Read comment

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 09:14 Read comment