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Innovation in Financial Services

A discussion of trends in innovation management within financial institutions, and the key processes, technology and cultural shifts driving innovation.

Bo Harald

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

Crossing borders - with a bicycle made for two

The bicycle-made-for-two (employer and employee) is the Trust Infrastructure with credentials in wallets for both the employee and for her/his employer. In this successful case lead by Finnish Tax and supported by Findynet and used in EWC where Bosch opened a bank account from Germany in Finland. Goes as follows: Bosch employee has wallet and asks...

/ai /identity

Alex Kreger

Alex Kreger Founder and CEO at UXDA Financial UX Design

Add Dopamine to Your Digital Banking App and Beat the Competition

Today’s Fintech disruptors and neobanks are igniting our brains’ reward centers with flashy visuals, gamified challenges and social interactivity that practically beg us to keep coming back for more. This is the effect of “Dopamine Banking,” where finance meets emotions and entertainment, and every tap of your smartphone is engineered to delight a...

/retail /startups

Bo Harald

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

Leadership by Ursula von der Leyen

I am for my part delighted to see EU finally coming out with force with the prioritisation of organisation wallets. https://www.linkedin.com/posts/bo-harald-4768b51_omnisecure-europeanbusinesswallet-eubusinesswallet-activity-7291423903053209601-nXFt?utm_source=share&utm_medium=member_desktop The very precondition to get cross-sector and panEU&...

/ai /identity

Bo Harald

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

Crystallising the WHY and HOW

Crystallizing the WHY – the Trust Infrastructure mission. Make life e a s i e r at home and also more productive and interesting at work. Crystallizing the HOW? Put the citizen’s life and business event into the core of all service design Picture via link below Deploy organization wallets to be able to send and receive all sorts of credential...

/ai /identity

Bo Harald

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

Splendid statement from EU

"Building on the EU e-IDAS framework, the European b u s i n e s s wallet will be the cornerstone of doing business simply and digitally in the EU, providing a seamless environment for companies to interact with all public administrations." Public sectors all over EU should now copy last years pensioner credential case by Finnish Socia...

/ai /identity

Bo Harald

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

W h y is the rollout of theTrust Infrastructure in Europe now so important?

What can be more important for: productivity, security, service levels, privacy, the Single Market and soon also for safely deploying organisation and personal AI-agents? On a practical level it means that: 1. All important data will be easy to issue, obtain and verify. 2. I n t e r f a c e s in the public and all private sectors in Europe an

/ai /identity

Retired Member

Retired Member 

Unlocking the Power of Payment Gateway with Source Code: A Game-Changer for Fintech

Introduction: The Need for Customizable Payment Solutions In the ever-evolving landscape of fintech, the demand for secure, flexible, and scalable payment solutions has never been greater. Businesses, from startups to established enterprises, are increasingly looking for ways to streamline their payment processes and ensure seamless transactions f...

/payments /crypto

Alex Kreger

Alex Kreger Founder and CEO at UXDA Financial UX Design

How Financial Brands Can Elevate Their Digital Products Credibility

In the race to innovate, digital services are racing ahead, but trust is often left in the dust. The result? A gap between brands and users that can feel as vast as a canyon. Trust is more than just a checkbox on a digital product brief; it’s the glue that binds users to your brand. Without it, even the flashiest features can feel like empty promi...

/retail /identity

Retired Member

Retired Member 

The Evolving Role of Payment Gateways in a Digital-First World

As the global economy becomes increasingly digitized, the importance of seamless and secure online transactions cannot be overstated. Payment gateways have emerged as the backbone of modern commerce, facilitating efficient, secure, and scalable financial transactions across industries. This post delves into the critical role of payment gateways in...

/payments /crypto

Alex Kreger

Alex Kreger Founder and CEO at UXDA Financial UX Design

Breaking the Mold: Dopamine Design Moves Digital Banking Beyond Wireframes

In the modern digital banking landscape, the bar for user experience (UX) and visual appeal continues to rise. Yet, when we take a critical look at many products in the space, it often seems like financial service designers shipping glorified high-fidelity (hi-fi) wireframes instead of truly refined digital experiences. Banks invest plenty of res...

/retail /identity

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