
Function: Founding Partner INNOPAY
One highlight of our work is that it has an impact on the lives of many people.
Transactions, we do them all the time, increasingly more with our mobile phones: payments, collecting loyalty points, logging in, proving your age, giving likes, sending and receiving invoices.
At INNOPAY we help shaping this future for our clients, including financial institutions, governments and corporates. Compelling strategies and digital services for consumers and companies are key for successful competition in a rapidly digitising world.
Smart strategies and easy services often have lots of complexity hidden in them, creating serious challenges for the teams working on them. 'I love it when a plan comes together' in today's networked world!
Contact
E-mail address: douwe@innopay.com
Publications

Blog |
07-12-2022
Douwe Lycklama, founding partner at INNOPAY, formulates a lucid analysis of the context that led to the FTX collapse, while detailing the important le...
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Interview |
06-12-2022
Financial institutions can move towards a position as a trusted ‘data custodian’ in the data economy
The internet has reached its third stage of development: after ‘information’ and ‘interaction’, it is now time for ‘transaction’. An important prerequ...
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Blog |
24-11-2022
The first edition of our INNOPAY/The Paypers Payments Industry Crypto Monitor contains some revealing findings. For example, 88% of the respondents ex...
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Blog |
29-08-2022
The following article is an excerpt from the book Everything Transaction.
Facebook caused quite a stir back in 2019 when it announced plans to lau...
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Blog |
03-02-2022
A recent offer in the realm of Decentralised Finance (DeFi) caught our attention: “Borrow money with your bitcoin. At 0% interest”. Expected to launch...
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Blog |
02-02-2022
There has been strong acceleration in the interest among central banks and governments in Central Bank Digital Currencies (CBDCs) in recent years. Thi...
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Blog |
07-12-2021
Blockchain, Bitcoin and Decentralised Finance (DeFi) are all relatively new terms in today’s commercial vocabulary. Although their impact on the futur...
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Blog |
10-05-2021
Around a decade ago, the global Decentralised Finance (DeFi) movement started to develop financial applications that no longer required traditional ce...
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Interview |
17-11-2020
"We are sleepwalking into a dystopian digital future of data pollution. If we don't act now, we risk creating a digital world which will be unfit for ...
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Blog |
07-09-2020
Douwe Lycklama, INNOPAY: After years of cash reduction in favour of commercial banks debt money, now central banks can regain some of their position o...
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Blog |
14-06-2020
The European Data Strategy is aimed at making Europe a leader in a data-driven society. Europe aims to create a single market for data that will allow...
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Blog |
28-05-2020
This article is based on an excerpt from our award-winning book Everything Transaction, that was published in 2019. In view of the recently updated wh...
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