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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,

How does the EUBW Trust Infrastructure support deployment of AI-agents?

I am repeating myself. But as AI-agents are mildly speaking hot - but not specifically mentioned by EUDI2 it should be lifted up that it - and especially its organisation wallets (EUBW) - ALSO provide the rails that make AI-agent deployment possible and legally meaningful. Here’s how EUDI2 supports AI-agents in practice: 1. Trusted Ide

/ai /identity

Bo Harald

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

Will the public sectors not use Business Wallets? They will..

It took some time to get the focus to organisation wallets - even if that should have been the starting point. Otherwise citizens wallets cannot get the critical mass of credentials needeed. Now - finallly - EU is driving the Business Wallet forcefully. This has led to many asking if the public sectors will not eat the dog-food Brussels is servin...

/ai /identity

Bo Harald

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

About Trust Registries

In one picture here: https://www.linkedin.com/posts/bo-harald-4768b51_all-here-automated-verification-should-not-activity-7369013342721425408-Y4Si?utm_source=share&utm_medium=member_desktop&rcm=ACoAAABPj1oB9_D7YNYACmHvY9HioUqpuULqZCo In the EUDI-Wallet ecosystem, trust registries are critical building blocks of the Trust Infrastructure ...

/ai /identity

Gunnar Larsen

Gunnar Larsen Chief Communications & Marketing Officer at Tokenovate

Exception Management At The Speed of T Plus 1

Why getting it right now matters The transition to T+1 trade settlement isn’t just a regulatory requirement: it’s a reckoning for post-trade lifecycle management and operations. Budgets are being allocated and deployed. Timelines are contracting. For banks, asset managers, and financial market infrastructures (FMIs), the margin for error is va...

/regulation /markets

Alex Kreger

Alex Kreger Founder and CEO at UXDA Financial UX Design

UX Case Study: Designing Gen AI Banking for Gen Z

Over the past decade, messaging apps and AI-powered chats have redefined how we interact with the digital world. What started as a way to stay in touch with friends quickly evolved into a universal interaction model, especially to Gen Z. With the rise of generative AI, this trend has accelerated dramatically. Instead of scrolling through menus or t...

/ai /retail

Bo Harald

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

Here the original rambling version that ChatGPT shortened - all the way to Quantum risk

The big picture is getting much bigger. All the way to Quantum I started posting here long ago about payment automation and e-banking. Then about interconnecting bank customers with e-id, e-signing, e-invoicing and e-salary. Then about mobile banking and establishing the Mobey Forum in year 2000. I like to think that teamwork and networking around...

/ai /identity

Alex Kreger

Alex Kreger Founder and CEO at UXDA Financial UX Design

Banking AI Implementation Case Study: Design of a Living Bank User Experience

What if your digital bank wasn’t just a service, but a living companion? Over six months, we designed a groundbreaking AI-powered financial product that aimed to reshape how customers engage with their money. Here are some key insights and takeaways from that journey. This was not another static banking app. It was envisioned as an AI-powered prod...

/ai /retail

Alex Kreger

Alex Kreger Founder and CEO at UXDA Financial UX Design

The Greatest Threat to Banking Isn’t Digital Disruption or AI—It’s Self-Deception

Fintechs won’t kill incumbent banks. Neither will AI. Banks will kill themselves. Not through disruption. Through self-deception. They’ll collapse because they believe things that aren’t true. The lies sound so familiar we’ve stopped questioning them: We’ve finished our digital transformation; If users struggle, it’s their fault; Digital is just ...

/retail /markets

Ankita Bhattacharya

Ankita Bhattacharya Product Manager - Commercial Finance at LoanTube

Embedded Lending Needs More Than Embedded Forms

Embedded finance was meant to transform how small businesses access credit, bringing lending to the point of need, whether that’s within an accounting platform, a business management tool, or a digital marketplace. In theory, it should create seamless, contextual experiences where funding is just a click away. In practice, it often falls flat. For...

/startups /inclusion

Alex Kreger

Alex Kreger Founder and CEO at UXDA Financial UX Design

Design as Strategy: How UX Transformed a Bank's Digital Ecosystem

In the heart of one of the world’s most fast-paced financial markets, a digital reckoning was brewing. A leading retail bank—serving tens of millions, managing hundreds of billions, and deeply embedded in the region’s economic fabric—found itself at a tipping point. Its once-pioneering market presence was now fragmented, inconsistent and frustratin...

/retail /devops

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