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Bo Harald

Our sacred mission

Our sacred trust infrastructure mission the incoming autumn will be to: 1. Make it crystal clear to all organisations (especially the in the public and SMEsectors) and most citizens how immensely ser...

07 Aug 2023
Innovation in Financial Services
Bo Harald

Finland's contribution in one picture.

Proud founder in 5,6, and 7.

03 May 2023
Innovation in Financial Services
Bo Harald

ChatGTP quite good at shortening my earlier post

Governments and enterprises will adopt a global trust infrastructure, resulting in citizens and organizations receiving general-purpose identity wallets that can obtain, deliver, and pass on verifie

09 Apr 2023
Innovation in Financial Services
Bo Harald

Proud of the Nordics - worried about the Single Market

I have been acting as an independent advisor for the Findyconsortium in Finland (now the public-private Findynet co-operative) since it started in 2018. It aims at implementing a trust infrastructure ...

03 Mar 2023
Innovation in Financial Services
Bo Harald

Opportunities and Responsibilities for the Finance Sector in the Trust Infrastructure

1. Trust infrastructure As the benefits for building a global trust infrastructure are so massive (3-6% of GDP according to McKinsey), it is clear that governments will be strongly committed to ...

26 Jan 2023
Digital Banking Trends
Bo Harald

My e-Journey - looking forward. Part 9. European interoperable trust infrastructure platform

I had thought that my stories would advance in chronological order - but notice that so many rungs and rail composites from the early e-ladders are important in the next ones - that I keep moving back...

07 Jan 2023
Data sharing
Bo Harald

My e-Journey - over 40 years. Part 8. It is the economy, stupid..

As I wrote in the first post, my interest for digitalisation started off from trying to automate more work in the backoffices. Then it moved to convenience for e-banking customers > not having to s...

06 Jan 2023
Innovation in Financial Services
Bo Harald

My e-Journey - over 40 years. Part 7. Ladders galore

An often repeated experience on my journey has been that one thing leads to another, which leads to another and so it goes. You may have a hunch about what these may add up to - but seldom a very clea...

05 Jan 2023
Innovation in Financial Services
Bo Harald

My e-Journey - over 40 years. Part 6. Towards a new e-world

I have a few more parts in mind. Candidates - time permitting - include: Ladders galore, Productivity impact high level evaluation, Life events as starting point for service design, Single Market leap...

03 Jan 2023
Innovation in Financial Services
Bo Harald

My e-Journey - over 40 years. Part 5. Mobile rungs in the ladder and Mobey Forum

The first rung in the mobile services ladder was the word syntheziser for pushbutton telephone payments created in -82. Once mobile phones - the next rung - started to appear you could use them to mak...

01 Jan 2023
Innovation in Financial Services
Bo Harald

My e-Journey - over 40 years. Part 4. Going Nordic

Banking in Finland was hit very hard by an economic recession of unseen proportions in the early 90s. One unfortunate aspect was that local banks before that had hastily been deregulated and massed in...

31 Dec 2022
Innovation in Financial Services
Bo Harald

My e-Journey - over 40 years. Part 3. Interconnecting customers

Especially in the Nordea Bank stage we started to think that the then 4 million strong e-Banking user habit and trust should be reused for other interaction purposes than traditional payments and othe...

29 Dec 2022
Banking Strategy, Digital and Transformation

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