Join the Community

24,271
Expert opinions
40,784
Total members
350
New members (last 30 days)
215
New opinions (last 30 days)
29,327
Total comments

Latest expert opinions

clear
clear
Dr Ritesh Jain

Dr Ritesh Jain Advisor at WorldBank

India’s Fintech Movement: From Digital Access to Financial Dignity

India’s digital economy stands at a defining inflection point. As global capital flows into fintech startups and regulatory structures crystallise around digital public infrastructure (DPI), the narrative often swings between euphoric celebration and sceptical caution. But amidst the unicorn tallies and IPO buzz, we must ask—are we truly moving to...

/inclusion /predictions Fintech

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

Simple explanation why linked data is so important

ChatGPT said: Because the world runs on connections, not isolated facts. Linked Data gives your data context, meaning, and machine-actionability. Here’s the crisp version: 1. Machines can finally understand what the data means A raw string like "12345" is useless. Linked Data tells the machine: • What this number is • How it relate

/ai /payments Transaction Banking

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

Will EU be an isolated island?

The debate rages on. ChatGPT very good at expressing my opinion: VCDM + JSON-LD are not optional — they’re the gateway to interoperable trade, automation, and AI-ready trust. Europe is building the world’s most ambitious trust infrastructure: EUDI-wallets for citizens. EUBW organisational wallets for enterprises and public bodies. Rulebooks,

/ai /identity Innovation in Financial Services

Priyanka Naik

Priyanka Naik Fintech Professional

Insights from latest research on Fintech AI applications

AI is now moving from experimental deployments to core infrastructure across the financial ecosystem. As someone who has spent twelve years building large-scale products, I have been closely following the research that explores how AI will reshape financial services. Several recent papers map the economic, human and technological transitions unfol...

/ai /payments Fintech

Tomas Milar

Tomas Milar Founder at https://Eqvista.com

Rethinking Private Market Infrastructure: Why Price Discovery Comes Before Liquidity

Private markets have become the new growth engine of global finance, representing over $13 trillion in enterprise value. Yet, they operate without one of the most fundamental components of any efficient financial system , transparent, reliable pricing infrastructure. Despite a surge in venture funding, secondary transactions, and private capital fl...

/markets Capital Market Technology

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

Why digital identification and identity seems still so hard in the UK

Not that it is my task to worry about it.. But having lived there I have warm feelings for the country - even if Brexit took a big bite.. So I asked ChatGPT and got rather harsch text. And this is probably all self-evident for many readers. I do not have a deeper knowledge of the UK-situation. I commented at +++ "The UK is payin...

/ai /identity Innovation in Financial Services

Stanley Epstein

Stanley Epstein Associate at Citadel Advantage Group

Are we in an economic bubble that is about to burst?

The seven deadly sins of corporate exuberance—and what they mean for banking and fintech Economic bubbles rarely announce themselves in real time. The late-1990s dot-com boom felt like the dawn of a new technological age—until the Nasdaq lost 78% of its value. The housing boom of the mid-2000s was framed as a democratisation of credit—until it bro...

/predictions

John Bertrand

John Bertrand MD at Tec 8 Limited

Strangely Beautiful: Bank of England Consultation (Nov 10) for Stablecoins

The Bank of England’s consultation on regulating stablecoins of November 10, 2025, is strangely beautiful. The consultation demonstrates remarkable intellectual honesty and: Questions its own sacred cows - including exclusive access to BoE accounts and the agent model - the PayPal-Barclays example is telling - PayPal's market cap approaches Barcla...

/regulation /crypto Banking Strategy, Digital and Transformation

Prasoon Mukherjee

Prasoon Mukherjee Director | Head of Securities Services | GSC-India at Societe Generale Bank

The Mirage of Productivity : Rethinking Cost-to-Income in Agency Banking

In the grand theatre of banking, some actors stride onto the stage clad in heavy armor, risking their own fortunes for applause. Others, lighter on their feet, merely broker the spectacle earning their place without wagering their own wealth. Yet, when the curtain rises on performance metrics, both are judged by the same harsh spotlight : the cost...

/regulation /wholesale Banking

Rom C

Rom C Founder at Questa AI

Will Finance Be Replaced by AI? Understanding the Future of the Finance Industry

Artificial intelligence continues to transform the global economy, and one of the sectors feeling this shift most intensely is finance. From automated trading to fraud detection and financial analysis, AI in finance is no longer experimental — it’s operational, fast-moving, and becoming deeply embedded in day-to-day workflows. Naturally, this rais...

/ai /inclusion Artificial Intelligence and Financial Services

Now Hiring