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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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599
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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

Golden opportunity and responsibility for Qualified Trust Service Providers

Qualified Trust Service Providers have lived in a narrow corner of the market: qualified signatures, seals, timestamps and eDelivery. Important, yes — but now more can be done. With EBW (x-EUBW), EUDIW, DPPs, DIIP formats and the rise of agentic AI, QTSPs can find themselves in the right place at the right time. They can become the backbone of Euro...

5 hours Innovation in Financial Services

Bo Harald

The light has been seen in the EU — and that matters for industry and trade finance globally

It is not only a question of getting the organisation wallets rolled out - to get a cricitacal mass of verifiable credentials issued to and received from citizens and enterprises. Buried in the Commission’s staff working document for the EUBW proposal is this line that should make every builder, bank, policymaker and automation geek sit up straight...

20 November 2025 Innovation in Financial Services

Bo Harald

How do I issue a Power of Attorney with my EUDIW?

How do I issue a Power of Attorney with my EUDIW? Soon also issued to AI-agents' wallets... ChatGPT in the know? " It’s finally simple. 1️⃣ Open my EUDIW 2️⃣ Select “Issue Power of Attorney” 3️⃣ Choose the person/company I want to authorise 4️⃣ Define the scope + duration 5️⃣ Wallet signs it with my PID key 6️⃣ Share the PoA as a verifiab...

19 November 2025 Transaction Banking

See all 599 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

06 Nov 2025 14:24 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 (107)
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  • 2012 (35)
  • 2011 (70)
  • 2010 (74)
  • 2009 (85)
  • 2008 (10)

Latest groups joined by Bo

  • Electronic invoicing

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  • Transaction Banking

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  • Networked economy
  • Real Time Economy

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