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Bo Harald

Chairman/Founding member, board member
Trust Infra for Real Time Economy Prgrm & MyData,
Member since
04 Nov 2008
Location
Helsinki Region
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587
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Followed by John Sims, Martha Boyle and 5 others you follow

Bio

Independent advisor and board professional

Experience

Chairman/Founding member, board member
Trust Infra for Real Time Economy Prgrm & MyData,
To Present
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Latest opinions

Bo Harald

How much will enterprises save when taking EUBWs in use - including also fraud and cyber crime

I was very impressed by the German estimate that large and medium sized enterprises will save 84,7bn€/year - only in master data work - by taking EUBWs in use. https://www.finextra.com/blogposting/27963/in-germany-847-billion-euros-is-a-lot-of-money And this more easily taken in use by using DIIP. https://www.finextra.com/blogposting/29252/diip-h...

14 hours Innovation in Financial Services

Bo Harald

The Digital Credentials Query Language (DCQL)

The Digital Credentials Query Language (DCQL) is very relevant to the EU Digital Identity Wallet (EUDI Wallet) ecosystem. As banks will start asking for verifiable credentials needed - for example in lending and customer acquisition - it is important to start designing with it in mind. This naturally applies to all sorts of service providers need...

05 November 2025 Banking and Lending Solutions

Bo Harald

Credentials not anchored in law - versus anchored

How will the trust layer work in practise? Feel free to improve ChatGPT's take: When credentials are not anchored in law, the missing legal authority must be compensated with community-governed trust frameworks — aka rulebooks. These rulebooks make the credentials verifiable and usable even without legal mandate. Here’s what’s typically need...

02 November 2025 Innovation in Financial Services

See all 587 opinions by Bo

Latest comments

The Digital Credentials Query Language (DCQL)

More here: https://docs.igrant.io/concepts/eudi-wallet-dcql-openid4vp-business-wallet-payments/#243-use-case-request-and-share-alternative-identities

19 hours Read comment

Zero Trust in Europe

There isn’t a single, standalone protocol that everyone calls “Zero Trust Authorisation Protocol.” Zero Trust is a security architecture and mindset—“never trust, always verify”—rather than a formal RFC-defined wire protocol. What you’ll actually see in production are protocol stacks and policy engines built to enforce Zero Trust principles:

  • Authentication & Federation:

    • OIDC / OAuth 2.0 – Used for delegated auth with continuous verification.

    • SAML 2.0 – Older but still used in enterprises.

    • FIDO2/WebAuthn – Phishing-resistant, passwordless auth for Zero Trust endpoints.

  • Policy Decision/Enforcement:

    • XACML or OPA (Open Policy Agent) – Express fine-grained, attribute-based access control (ABAC).

    • SPIFFE/SPIRE – Secure workload identities in service meshes.

    • gRPC/Envoy + mTLS – For microservice-to-microservice trust with certificate rotation.

  • Zero Trust Frameworks/Specs:

    • NIST SP 800-207 – The de facto reference for Zero Trust architecture.

    • CNCF Zero Trust Working Groups – Define patterns for cloud-native stacks.

    • Google BeyondCorp – A reference implementation (not a protocol) showing continuous verification of user, device, and context.

So if you’re looking for one standardised “Zero Trust authorisation protocol,” it doesn’t exist. The industry achieves Zero Trust by composing existing protocols (OAuth 2.0 + OIDC + mTLS + ABAC/RBAC engines) under strict “verify every access, every time” policies. If you need a starting point:

  1. NIST SP 800-207 – for architecture principles.

  2. OAuth 2.0 + OIDC with continuous re-auth and device posture checks.

  3. OPA or XACML for dynamic, context-aware authorisation decisions.

  4. mTLS/SPIFFE for workload identities inside your network.

That’s the current state of play—Zero Trust is a design pattern, not a new protocol.

 
 

14 Sep 2025 17:28 Read comment

BankID credentials paving the way for EU Business Wallet

Valuable wider view: https://www.linkedin.com/posts/bo-harald-4768b51_from-ai-slop-to-signal-verifiable-provenance-activity-7362832443499773953-jdHY?utm_source=share&utm_medium=member_desktop&rcm=ACoAAABPj1oB9_D7YNYACmHvY9HioUqpuULqZCo

20 Aug 2025 05:58 Read comment

See all 321 comments by Bo

Bo writes about

  • artificial intelligence
  • security
  • payments
  • regulation & compliance
  • people
  • wealth management
  • retail banking
  • wholesale banking
  • sustainable
  • financial inclusion
  • identity
  • financial crime
  • predictions

Bo's opinion archive

  • 2025 (95)
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  • Networked economy
  • Real Time Economy

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