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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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565
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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

Better user experience with EUDI - versus pure SSI

I asked Gemini: The consensus among experts suggests that while the European Digital Identity Wallet (EUDI) is built on the principles and core technologies of Self-Sovereign Identity (SSI), its structured and regulated framework is likely to make it more user-friendly and lead to greater adoption than a "pure" SSI implementation. Here

8 hours Innovation in Financial Services

Bo Harald

What does it mean if organisation wallets are not taken in use as a first step?

It means that there will not be a critical mass of credentials available for wallets. This means that wallets will seldom be used and the attention both by organisations and citizens will move elsewhere. In EU it means that the drive for the Trust Infrastructure and its citizen and organisation wallets – also as the fundament for AI-agentics - may...

11 October 2025 Innovation in Financial Services

Bo Harald

How does innovation happen?

When we roll-out e-banking starting in 1982 at Union Bank of Finland I used to underline that innovation progresses when the next customer takes it in use – on the way to a critical mass of users. Otherwise it will stay as an invention. The key to our success was that - then a wide network of branches - competed with personal selling – pushing e-b...

08 October 2025 Innovation in Financial Services

See all 565 opinions by Bo

Latest comments

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

Two Paradigm Shifts: Trust Infrastructure and AI-Agentics

Google Notebook crystallized here: https://www.linkedin.com/posts/bo-harald-4768b51_google-notebook-in-the-know-activity-7355968433387192321-d_ix?utm_source=share&utm_medium=member_desktop&rcm=ACoAAABPj1oB9_D7YNYACmHvY9HioUqpuULqZCo

30 Jul 2025 18:37 Read comment

See all 320 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

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  • Networked economy
  • Real Time Economy

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