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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.

Alex Kreger

Alex Kreger Founder and CEO at UXDA Financial UX Design

The Future of Banking: From Separate Products to Contextual Platforms

For decades, banks have measured success by the number of products they distribute — accounts, cards, loans, mortgages — scaled across as many customers as possible. But in today’s digital-first world, people don’t need more separate financial products. They need personalized user journeys that embed into their lives and businesses. The next era o...

/ai /retail

Bo Harald

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

Thoroughly about EU organisation wallets (EUBWs for all)

Very good work by https://www.linkedin.com/company/go-eidas-ev/posts/?feedView=all. Emphasis mine and my comments at +++.Go-EIDAS invites you to expand further. “Within the recent launch of the Competitiveness Compass for the EU the European Commission announced its plan to augment the existing legislation around digital identity and t...

/regulation /identity

Bo Harald

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

Global innovation fundament in making

My points in Open Wallet Foundation work: 1. The mission is to get verifiable data to business and life events from all needed public and private sources without need for technical integrations and contracts between the parties. 2. For that we need interoperable general-purpose wallets/agents. OWF SIG task to map interoperability. 3....

/ai /identity

Uwakmfon Offiong

Uwakmfon Offiong Founder & CEO at Finclu Systems

Building Cross Functional Teams to Accelerate FinTech Implementation

The financial services sector is changing faster than ever. Open banking regulations, digital currencies, and inclusive finance initiatives are reshaping how money moves. Yet one recurring obstacle remains: how to translate promising solutions into live, trusted systems at scale. The answer lies not in technology alone but in the structure of the ...

/people

Amr Adawi

Amr Adawi Co-Founder and CEO at MetaWealth

What Project Guardian Reveals About Institutional Adoption of Tokenization

When the Monetary Authority of Singapore (MAS) launched Project Guardian in 2022, the goal was clear: test whether tokenization could deliver measurable improvements in efficiency, liquidity and transparency across capital markets. Three years on, the initiative has expanded into a global network of more than 40 institutions and regulators, produc...

/regulation /wealth

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

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