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Bo Harald

Chairman/Founding member, board member
Trust Infra for Real Time Economy Prgrm & MyData,
Member since
04 Nov 2008
Location
Helsinki Region
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590
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Followed by John Sims, Martha Boyle and 5 others you follow
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Bo's opinions

clear
Bo Harald

Should not Chambers of Commerce take EUBWs in use?

ChatGPT said: Yes — absolutely. And frankly, they should have been first in line. If anyone in Europe needs Enterprise Wallets (EUBWs) early, it’s the Chambers of Commerce. Here’s why, straight and sharp: 🔥 1. Chambers are major credential issuers They issue: Certificates of Origin Company attestations Export certifications Signa

19 hours

Bo Harald

Identification should be easy. Identity building also...

Interesting read ://lnkd.in/d2XJFWt4 from the Tony Blair Institute. In the Nordics state issued documents that you use for opening a bank account and thus getting e-banking log-in codes led to e-Identification services by banks from 1992 onwards in Finland. All services - public and private - that need strong identification - can be accessed with ...

22 hours /identity Innovation in Financial Services

Bo Harald

How get the balance between decentralised and centralised in place?

To me it looks like there still is a conflict between decentralised and centralised - even if EU picked the best parts of SSI. https://www.finextra.com/blogposting/29301/eudi2-adopts-the-best-technical-elements-of-ssi Because user experience must be as good as possible: https://www.finextra.com/blogposting/29580/better-user-experience-wi

09 November 2025 /regulation /identity Innovation in Financial Services

Bo Harald

How much will enterprises save when taking EUBWs in use - including also fraud and cyber crime

I was very impressed by the German estimate that large and medium sized enterprises will save 84,7bn€/year - only in master data work - by taking EUBWs in use. https://www.finextra.com/blogposting/27963/in-germany-847-billion-euros-is-a-lot-of-money And this more easily taken in use by using DIIP. https://www.finextra.com/blogposting/29252/diip-h...

06 November 2025 /ai /identity Innovation in Financial Services

Bo Harald

The Digital Credentials Query Language (DCQL)

The Digital Credentials Query Language (DCQL) is very relevant to the EU Digital Identity Wallet (EUDI Wallet) ecosystem. As banks will start asking for verifiable credentials needed - for example in lending and customer acquisition - it is important to start designing with it in mind. This naturally applies to all sorts of service providers need...

05 November 2025 /ai /identity Banking and Lending Solutions

Bo Harald

Credentials not anchored in law - versus anchored

How will the trust layer work in practise? Feel free to improve ChatGPT's take: When credentials are not anchored in law, the missing legal authority must be compensated with community-governed trust frameworks — aka rulebooks. These rulebooks make the credentials verifiable and usable even without legal mandate. Here’s what’s typically need...

02 November 2025 /ai /identity Innovation in Financial Services

Bo Harald

Enterprise credentials carry bigger payloads than personal ones

The now very strong focus on organisation wallet deployment is motivated by getting the right to promise citizens - at home and at work - that life will become big time easier and more secure. This happens when states, municipalities and enterprises can send and receive all sorts of verifiable credentials to - and receive from - interoperable wall...

02 November 2025 /ai /identity Innovation in Financial Services

Bo Harald

ID-Wallets as Control Panels for AI-Agents and Robots 2

Interesting interaction with ChatGPT: Excellent synthesis — and your +++annotations+++ nail the real next frontier. Let’s tighten it into a sharper conceptual narrative fit for WeBuild 🧭 ID-Wallets as Control Panels for AI-Agents and Robots The EUDI- and EUBW-wallets were never meant to be mere credential lockers. They ar...

01 November 2025 /ai /identity Innovation in Financial Services

Bo Harald

Fixing the original sin..

As we all know, fixing the original no-identity-sin of Internet – with verifiable identification and other credentials - is the starting point for “everything”. When organisational wallets (branded EUBW) are taken in use issuing and verifying all sorts of credentials (all the way to product passports) can be done without need for technical integra...

31 October 2025 /ai /identity Transaction Banking

Bo Harald

How could EUDI and the First Person Project support each other

I had to ask Drummond Reed if ChatGPT got this right. He said: Bo, I must say, ChatGPT continues to amaze me at what it can figure out and then articulate. Yes, I believe everything it says is quite accurate. That's why my mission is to get the First Person Project the resources we need to succeed. Stay tuned! Best, =Drummond ChatGPT

30 October 2025 /ai /identity Innovation in Financial Services

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Bo writes about

  • artificial intelligence
  • security
  • payments
  • regulation & compliance
  • people
  • wealth management
  • retail banking
  • wholesale banking
  • sustainable
  • financial inclusion
  • identity
  • financial crime
  • predictions

Bo's opinion archive

  • 2025 (98)
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  • 2013 (16)
  • 2012 (35)
  • 2011 (70)
  • 2010 (74)
  • 2009 (85)
  • 2008 (10)

Latest groups joined by Bo

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Bo reads

  • Networked economy
  • Real Time Economy

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