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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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556
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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

About phoning home

Banks are - for their part - moving closer to the Trust Infrastructure ny taking own EUBWs in use and seeing to it that customers do the same - becoming capable sending and receiving veriifiable data to and from all directions. Much to learn still. For example the "Phoning home" challenge and solution is not familiar to all of us. It mea...

15 September 2025 Digital Identity Management

Bo Harald

Zero Trust in Europe

In the EUDI Zero Trust is not a formal eIDAS 2 term but a security philosophy that EU wallet and infrastructure designers are actively adopting. 1. Zero Trust Basics Default stance: Never trust, always verify. Every actor—wallets, issuers, verifiers, and even networks—is treated as potentially compromised. Continuous authentication, authorization...

14 September 2025 Artificial Intelligence and Financial Services

Bo Harald

How map the verifiable credentials needed in business and life events?

Back at Nordea in -99 we tested the slogan – Do not serve your customer! Serve her life events! I even suggested – half in jest – that the bank should organise itself around life events – not segments or products. It was too early to get data grouped in actionable ways.. but the thinking was rooted. Now the data for events should be the very star...

12 September 2025 Artificial Intelligence and Financial Services

See all 556 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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