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Proud founder in 5,6, and 7.
Governments and enterprises will adopt a global trust infrastructure, resulting in citizens and organizations receiving general-purpose identity wallets that can obtain, deliver, and pass on verifie
I have been acting as an independent advisor for the Findyconsortium in Finland (now the public-private Findynet co-operative) since it started in 2018. It aims at implementing a trust infrastructure ...
1. Trust infrastructure As the benefits for building a global trust infrastructure are so massive (3-6% of GDP according to McKinsey), it is clear that governments will be strongly committed to ...
I had thought that my stories would advance in chronological order - but notice that so many rungs and rail composites from the early e-ladders are important in the next ones - that I keep moving back...
As I wrote in the first post, my interest for digitalisation started off from trying to automate more work in the backoffices. Then it moved to convenience for e-banking customers > not having to s...
An often repeated experience on my journey has been that one thing leads to another, which leads to another and so it goes. You may have a hunch about what these may add up to - but seldom a very clea...
I have a few more parts in mind. Candidates - time permitting - include: Ladders galore, Productivity impact high level evaluation, Life events as starting point for service design, Single Market leap...
The first rung in the mobile services ladder was the word syntheziser for pushbutton telephone payments created in -82. Once mobile phones - the next rung - started to appear you could use them to mak...
Banking in Finland was hit very hard by an economic recession of unseen proportions in the early 90s. One unfortunate aspect was that local banks before that had hastily been deregulated and massed in...
Especially in the Nordea Bank stage we started to think that the then 4 million strong e-Banking user habit and trust should be reused for other interaction purposes than traditional payments and othe...
In these dark days of brutal military aggression, it is important to find time to also look forward and discover new ways to make Europe more competitive and secure. The next phase of digitalizatio...