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Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

Impressions from Global Digital Collaboration 2025

There can be no doubt: bringing together driving authorities, generalists, and domain experts from many fields proved both eye-opening and energising — and must continue. Especially now, as AI development accelerates at breakneck speed, it is essential to ensure that those deeply immersed in it don’t lose sight of a critical foundation: Trust and ...

/ai /identity Innovation in Financial Services

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

Reading books - rather than writing a book

I have been asked a good number of times if I am going to write a book about my rather long management and start-up experience when driving digitalisation. But then, the now rolling out migration to the EU Trust Infrastructure. - now with focus on Business wallets - is so extraordinarily important and interesting must-have ladder also to the next p...

/ai /identity Innovation in Financial Services

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

Open Letter to the European Commission, Member States and beyond

Accelerating the EU-wide Trust Infrastructure The development of an EU-wide Trust Infrastructure (TI) is gaining momentum on several fronts. The most significant advancement is the Commission’s recognition that business wallets will become the cornerstone for both conducting business and interacting seamlessly with all levels of public administrat...

/ai /identity Artificial Intelligence and Financial Services

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

Are we trying to cook the ocean?

I have been busy promoting verifiable data from and to identity building wallet applications for soon ten years. Progress has been too slow – despite the drawings made by Trust over IP and Self-sovereign Identity – and actions by the EU-commission. When the AI-boom came I became worried that it will steal too much of the Trust Infrastructure atte...

/ai /identity Artificial Intelligence and Financial Services

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

An AI-agent asking for a payment

A company or a person you know, or his AI-agent approaches you with a payment request to an account that looks familiar. Or a card payment. Or asking your account number for a refund.. Would you like to verify that it is the on you think you know before you accept it? And in the case of the AI-agent that it is wallet-carrying and thus can prove t...

/ai /identity Artificial Intelligence and Financial Services

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

Mobey Forum 25 years

What was the original vision for Mobey Forum, and how has it evolved over time? Driving paradigm shifts: E-banking – the fundamental paradigm shift – started for our part in 1982 New ways of interconnecting customers – not only with payments, trade finance, treasury and capital markets services – but also with e-identification, e-signatures,

/ai /retail Innovation in Financial Services

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

Begin with the End in Mind. Crystallised.

This particular End is a Trust Infrastructure where: All citizens can download – and most have - at least one general purpose identity building wallet free of charge in all EU Member states. All public sectors and progressive enterprises have installed organisation wallets and use (only) these to send and receive a wide range of verifiable data t...

/ai /identity Artificial Intelligence and Financial Services

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

Very important feedback to the EU-commission from Findynet

Feedback on the EU Business Wallet Initiative Call for Evidence Published 4.6.2025 Technology, Release The European Commission requests feedback on the European Business Wallet initiative in a Call for Evidence for an Impact Assessment published in the ‘Have your say’ portal. By encouraging

/ai /identity Artificial Intelligence and Financial Services

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

The huge-savings curse. Part II (e-invoicing)

Like in e- and mobile banking the e-invoicing as an interconnecting-customers service was not started off as a good-for-society at large program – but for customer convenience. I still remember how customers complained that we had outsourced the keying in on ever-growing lengths of reference numbers and other payment data from branch and back-offi...

/payments /retail Innovation in Financial Services

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

It is the administrative burden, stupid.

Many of us know that SMEs and also employees in larger enterprises and the public sector complain about an ever-growing administrative burden. Much caused by nitty-gritty difficult-to-decipher regulation. This is also coming from the work to make the Single EU market real. There politicians can always blame Brussels. One way of counteracting it ...

/ai /identity Innovation in Financial Services

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