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A discussion of trends in innovation management within financial institutions, and the key processes, technology and cultural shifts driving innovation.
As the owner, you will also give up ownership if you leave this group.
Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,
I used to be in charge of ao payments, e-banking, e-business and trade finance at Nordea Bank and its predessors. There I tried to demonstrate e-innovation impact with a self-made 1-4 points table. Now when general-purpose EBWs will be mandatory not only for banks – but also for public sector units the ice-hockey stick phenomena is coming nearer. S...
8 hours /ai /identity
Interesting discussion with LLMs today. Sometimes they tend to dramatise - so I have edited. Floor 0 — Internet (the swamp) Everyone starts here. Today’s economy is built on: passwords phishing unverifiable emails unverifiable phone calls unverifiable organisations It’s the fraud floor. Especially painful for elderly customers in banks, telecoms ...
30 November 2025 /ai /identity
Viacheslav Kostin CEO at WislaCode Solutions
Digital-first banking is transforming financial services through sustainability, personalisation, and accessibility. Discover how neobanks are redefining customer expectations. The financial services landscape is experiencing a fundamental shift. Neobanks have emerged as agile, technology-driven alternatives that prioritise customer experience, ...
28 November 2025 /payments /retail
I just published this in the EU Have your Say: A crystallisation of the steps is needed: 1. The base for progress in all areas is the Trust Infrastructure. Getting the EBWs from the markets and with them the general-purpose EUDIWs and AI-agents in test use before dead lines. 2. To motivate fast wallet deployment and frequent use there mu
27 November 2025 /ai /identity
Start with Why is an absolute must-read - if you ask me. I have recommended it to hundreds in discussions and even named my own enterprise - Why-Advisory Oy after it. It is striking, that when you have an especially inspiring discussion partner I often discover that he or she has read the book. The purpose - what is good for the customer or socie...
25 November 2025 /regulation /retail
The focus is now on getting public sector units to take EBWs in use - before it becomes mandatory. I have for my part listed the massive reasons - the WHY - over the years and will not repeat them here. Christmas came early this year as EU and the German chancellor Friedrich Merz came out with the HOW: mandatory wallets for issuing and verif
25 November 2025 /security /identity
EU legislation is soon driving mandatory wallet deployment in public sector units. The need for mandatory EBWs was echoed directly by the German chancellor Friedrich Merz. I am sure that many countries outside EU will also go for mandatory - as this gives enterprises powerful reasons to take suitable wallets in use - and the McKinsey estimated 3-...
24 November 2025 /ai /identity
Stanley Epstein Associate at Citadel Advantage Group
AI will reshape the economy in three major ways — by transforming productivity, labour markets, and the structure of industries — and in each case, the impact will be uneven, multi-speed, and heavily dependent on regulation, trust, and the ability of firms and workers to adapt. This article provides a clear and structured explanation of what is li...
24 November 2025 /ai /predictions
We have long been arguing that there is a risk that massive effort to supply all willing Europeans with identity building wallets will be a failure – unless there is a critical mass of verifiable credentials available. Identification and drivers licenses are not enough. All sorts are needed and the getting the seldom needed ones harmonised are esp...
23 November 2025 /ai /identity
How Real-Time Payments and Embedded Finance are quietly rewiring banking, customer experience, and the economics of financial services. Real-Time Payments and Embedded Finance: The Twin Engines Reshaping Modern Banking For decades, payments moved at the speed of the banking system—slowly. Settlement cycles spanned days, batch processing ruled the b...
22 November 2025 /payments
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